# EDGAR Filing Document

**Accession Number:** 0001707196
**File Stem:** 0000929638-26-000242
**Filing Date:** 2026-1
**Character Count:** 4330629
**Document Hash:** 5f92bcf8dcb8eb760b2c0d4ff298cba4
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-000242.hdr.sgml**: 20260123

**ACCESSION NUMBER**: 0000929638-26-000242

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

**PUBLIC DOCUMENT COUNT**: 36

**CONFORMED PERIOD OF REPORT**: 20260123

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

**FILED AS OF DATE**: 20260123

**DATE AS OF CHANGE**: 20260123

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FirstKey Mortgage, LLC
- **CENTRAL INDEX KEY:** 0001633283

**ORGANIZATION NAME:**
- **EIN:** 900943264
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01841
- **FILM NUMBER:** 26555958

**BUSINESS ADDRESS:**
- **STREET 1:** 4 INTERNATIONAL DRIVE, SUITE 110
- **CITY:** RYE BROOK
- **STATE:** NY
- **ZIP:** 10573
- **BUSINESS PHONE:** (914) 934-4048

**MAIL ADDRESS:**
- **STREET 1:** 4 INTERNATIONAL DRIVE, SUITE 110
- **CITY:** RYE BROOK
- **STATE:** NY
- **ZIP:** 10573
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Towd Point Asset Funding, LLC
- **CENTRAL INDEX KEY:** 0001707196

**ORGANIZATION NAME:**
- **EIN:** 900943264
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 900 THIRD AVENUE
- **STREET 2:** SUITE 500
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 6463620289

**MAIL ADDRESS:**
- **STREET 1:** 900 THIRD AVENUE
- **STREET 2:** SUITE 500
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FirstKey Mortgage, LLC
- **CENTRAL INDEX KEY:** 0001633283

**ORGANIZATION NAME:**
- **EIN:** 900943264
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 4 INTERNATIONAL DRIVE, SUITE 110
- **CITY:** RYE BROOK
- **STATE:** NY
- **ZIP:** 10573
- **BUSINESS PHONE:** (914) 934-4048

**MAIL ADDRESS:**
- **STREET 1:** 4 INTERNATIONAL DRIVE, SUITE 110
- **CITY:** RYE BROOK
- **STATE:** NY
- **ZIP:** 10573

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

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

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

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

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0001707196

Central Index Key Number of sponsor: 0001633283

<u>Towd Point Mortgage Trust 2026-1</u>

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

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

Central Index Key Number of underwriter (if applicable):

<u>Michael Hitzmann, (646) 233-0753</u><br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

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

---

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as an Exhibit to this Form ABS-15G. Please see Item 3, Exhibits 99.1, 99.2, 99.3, 99.4 and 99.5 for the related information.

**Item 3.** **Exhibits**<br>

---

| | | |
|:---|:---|:---|
| 99.1 | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC |
|  | Schedule 1 – | Executive Summary/Narrative (Original Pool) |
|  | Schedule 2 – | Executive Summary/Narrative (Combined) |
|  | Schedule 3 – | Bulk Acquisition Diligence Summary |
|  | Schedule 4 – | Data Extract Report (Original Pool) |
|  | Schedule 5 – | Cure Tracking Report (Original Pool) |
|  | Schedule 6 – | Loan Level Tracking Report (Original Pool) |
|  | Schedule 7 – | Data Compare Report (Original Pool) |
|  | Schedule 8 – | Payment History Report (Original Pool) |
|  | Schedule 9 – | CC Report (Original Pool) |
|  | Schedule 10 – | Modification Report (Original Pool) |
|  | Schedule 11 – | Title Report (Original Pool) |
|  | Schedule 12 – | Data Extract Report (Additional Pool) |
|  | Schedule 13 – | Cure Tracking Report (Additional Pool) |
|  | Schedule 14 – | Loan Level Tracking Report (Additional Pool) |
|  | Schedule 15 – | Data Compare Report (Additional Pool) |
|  | Schedule 16 – | Payment History Report (Additional Pool) |
|  | Schedule 17 – | CC Report (Additional Pool) |
|  | Schedule 18 – | Modification Report (Additional Pool) |
|  | Schedule 19 – | Title Report (Additional Pool) |
| 99.2 | Disclosures required by Rule 15Ga-2 for Opus Capital Markets Consultants, LLC | Disclosures required by Rule 15Ga-2 for Opus Capital Markets Consultants, LLC |
|  | Schedule 1 – | Executive Summary/Narrative (Original Pool) |
|  | Schedule 2 – | Loan Summary (Original Pool) |
|  | Schedule 3– | Rating Agency Grades (Original Pool) |
|  | Schedule 4 – | Findings Report (Original Pool) |
|  | Schedule 5 – | Data Compare Report (Original Pool) |
| 99.3 | Disclosures required by Rule 15Ga-2 for Westcor Land Title Insurance Company | Disclosures required by Rule 15Ga-2 for Westcor Land Title Insurance Company |
|  | Schedule 1 – | Title Summary (Original Pool) |
|  | Schedule 2 – | Title Report (Original Pool) |

---

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---

| | | |
|:---|:---|:---|
|  | Schedule 3 – | Title Summary (Combined) |
|  | Schedule 4 – | Title Report (Additional Pool) |
| 99.4 | Disclosures required by Rule 15Ga-2 for JCIII | Disclosures required by Rule 15Ga-2 for JCIII |
|  | Schedule 1 – | Compliance Summary (Additional Pool) |
|  | Schedule 2 – | Data Report (Additional Pool) |
|  | Schedule 3 – | Exception Report (Additional Pool) |
|  | Schedule 4 – | Itemized Report (Additional Pool) |

---

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#### SIGNATURES

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

Dated: January 23, 2026

---

| | |
|:---|:---|
| TOWD POINT ASSET FUNDING, LLC | TOWD POINT ASSET FUNDING, LLC |
| (Depositor) | (Depositor) |
| By:  | <u>/s/ Michael Hitzmann&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u> |
|  | Name: Michael Hitzmann |
|  | Title: President and Chief Executive Officer |

---

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#### EXHIBIT INDEX
<u>Exhibit Number</u>

---

| | | |
|:---|:---|:---|
| 99.1 | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC | Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC |
|  | Schedule 1 – | Executive Summary/Narrative (Original Pool) |
|  | Schedule 2 – | Executive Summary/Narrative (Combined) |
|  | Schedule 3 – | Bulk Acquisition Diligence Summary |
|  | Schedule 4 – | Data Extract Report (Original Pool) |
|  | Schedule 5 – | Cure Tracking Report (Original Pool) |
|  | Schedule 6 – | Loan Level Tracking Report (Original Pool) |
|  | Schedule 7 – | Data Compare Report (Original Pool) |
|  | Schedule 8 – | Payment History Report (Original Pool) |
|  | Schedule 9 – | CC Report (Original Pool) |
|  | Schedule 10 – | Modification Report (Original Pool) |
|  | Schedule 11 – | Title Report (Original Pool) |
|  | Schedule 12 – | Data Extract Report (Additional Pool) |
|  | Schedule 13 – | Cure Tracking Report (Additional Pool) |
|  | Schedule 14 – | Loan Level Tracking Report (Additional Pool) |
|  | Schedule 15 – | Data Compare Report (Additional Pool) |
|  | Schedule 16 – | Payment History Report (Additional Pool) |
|  | Schedule 17 – | CC Report (Additional Pool) |
|  | Schedule 18 – | Modification Report (Additional Pool) |
|  | Schedule 19 – | Title Report (Additional Pool) |
| 99.2 | Disclosures required by Rule 15Ga-2 for Opus Capital Markets Consultants, LLC | Disclosures required by Rule 15Ga-2 for Opus Capital Markets Consultants, LLC |
|  | Schedule 1 – | Executive Summary/Narrative (Original Pool) |
|  | Schedule 2 – | Loan Summary (Original Pool) |
|  | Schedule 3– | Rating Agency Grades (Original Pool) |
|  | Schedule 4 – | Findings Report (Original Pool) |
|  | Schedule 5 – | Data Compare Report (Original Pool) |
| 99.3 | Disclosures required by Rule 15Ga-2 for Westcor Land Title Insurance Company | Disclosures required by Rule 15Ga-2 for Westcor Land Title Insurance Company |
|  | Schedule 1 – | Title Summary (Original Pool) |
|  | Schedule 2 – | Title Report (Original Pool) |
|  | Schedule 3 – | Title Summary (Combined) |
|  | Schedule 4 – | Title Report (Additional Pool) |

---

------

---

| | | |
|:---|:---|:---|
| 99.4 | Disclosures required by Rule 15Ga-2 for JCIII | Disclosures required by Rule 15Ga-2 for JCIII |
|  | Schedule 1 – | Compliance Summary (Additional Pool) |
|  | Schedule 2 – | Data Report (Additional Pool) |
|  | Schedule 3 – | Exception Report (Additional Pool) |
|  | Schedule 4 – | Itemized Report (Additional Pool) |

---

## Exhibit 99.1

![](logo_amc.jpg)

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#### EXECUTIVE SUMMARY

(1) Type of assets that were reviewed.

AMC Diligence, LLC ("AMC") performed due diligence services as described below utilizing various scopes of review. All of these mortgage loans, which were originated by multiple parties, were purchased by an affiliate of FirstKey Mortgage, LLC ("Client") in multiple bulk transactions and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

(2) Sample size of the assets reviewed.

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

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

---

| | | |
|:---|:---|:---|
| ◾ | "Compliance Review": | 259 mortgage loans |
| ◾ | "Data Integrity Review": | 259 mortgage loans |
| ◾ | "Modification Review" | &nbsp;&nbsp;&nbsp;&nbsp;87 mortgage loans |
| ◾ | "Collection Comment Review": | 49 mortgage loans |
| ◾ | "Payment History Review": | 323 mortgage loans |
| ◾ | "Title Review": | 36 mortgage loans |

---

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

(3) Determination of the sample size and computation.

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of this Form ABS Due Diligence-15E.

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

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

Not applicable.

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

Not applicable.

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

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

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an

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individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by AMC.

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

#### FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (88 Mortgage Loans)
(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

<br> a) <u>Rescission (§1026.23):</u>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty test; and

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

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

<br> i) APR threshold test; and

<br> ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(VI) Document Review

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

<br> ◾ Initial application (1003);

<br> ◾ Final application (1003);

<br> ◾ Note;

<br> ◾ Appraisal;

<br> ◾ Sales contract;

<br> ◾ Title/Preliminary Title;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Final HUD-1;

<br> ◾ Initial and final GFE's;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ FACTA disclosures; and

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

#### FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 (6 Mortgage Loans)

#### <br>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to

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<br>consummation and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

(XI) FIRREA Review

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

#### FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015 (165 Mortgage Loans)
For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(XIII) Document Review

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

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

(8) Other: review and methodology.

**Data Integrity Review:** AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by time period of transaction.

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**Collection Comment Review:** AMC performed a pre-acquisition review utilizing individual mortgage loan collection comments provided by the servicer in order to provide a brief summary outlining current performance status, the borrower's ability to pay, relative future/current risk (including hardship, life changes, etc.), possible servicer remedies, loss mitigation efforts, and modifications.

**Modification Review:** AMC conducted a review of the modification, or modifications, contained within the mortgage loan file.

**Payment History Review:** AMC performed a review utilizing individual mortgage loan payment history reports provided by the servicer. Using the MBA methodology, AMC created a payment string using a look back period for each mortgage loan within the payment history population ranging from 12 to 36 months.

**SAFE ACT Review:** For applicable mortgage loans, AMC performed a SAFE ACT review by going to the NMLS site and verifying, if the information is available, if the broker (if applicable) and the originator were licensed at the time of mortgage loan origination. The NMLS site contains limited retroactive license information and may not have such information available for all originators. This review was completed based upon the information that was available and AMC does not represent or warranty as to the completeness or accuracy of information contained on the site.

#### Title Review
As requested by the Client, a title review was included in SitusAMC's scope of review. To facilitate this review, the Client provided SitusAMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, SitusAMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, SitusAMC identified whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments as well as subject mortgage not of record. For the purposes of identifying potentially superior post-origination homeowners' association ("HOA") liens, the Client has vetted and approved for use a list of states prepared by outside counsel for which potentially superior post origination HOA liens may take priority over the subject mortgage. The states identified by the Client to be super lien states are AL, AK, CO, CT, DC, DE, FL, HI, IL, MA, MD, MN, MO, NV, NH, NJ, OR, PA, RI, TN, VA, VT, WA, and WV. SitusAMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

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

(9) Disclaimer.

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake

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any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

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

#### Item 5. Summary of findings and conclusions of review
There were 259 mortgage loans in the final compliance population reviewed by AMC. After all documents were presented, under the DBRS grading criteria, 74 mortgage loans (28.57%) had an Overall grade of "A", 158 mortgage loans (61.00%) had an Overall grade of "B", 12 mortgage loans (4.63%) had an Overall grade of "C", and 15 mortgage loans (5.79%) had an Overall grade of "D". After all documents were presented, under the applicable Fitch & Moody's NRSRO grading criteria, 69 (26.64%) had an Overall grade of "A", 161 (62.16%) had an Overall grade of "B", 14 (5.41%) loans had exceptions that generated an Overall grade of "C", and 15 (5.79%) had an Overall grade of "D".

#### COMPLIANCE RESULTS SUMMARY (259 Mortgage Loans)
Pursuant to the applicable NRSRO criteria, AMC graded certain compliance exceptions as non-material based upon seasoning of the mortgage loans. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than rescission, which may be raised as a defense to foreclosure. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan.

#### AMC Diligence, LLC (259 Mortgage Loans)

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| | | |
|:---|:---|:---|
| **DBRS NRSRO Loan Grades** | **DBRS NRSRO Loan Grades** | **DBRS NRSRO Loan Grades** |
| **Compliance Grade** | **Loan Count** | **% of Loans** |
| A | 74 | 28.57% |
| B | 158 | 61.00% |
| C | 12 | 4.63% |
| D | 15 | 5.79% |
| **Total** | **259** | **100.00%** |

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| | | |
|:---|:---|:---|
| **Fitch & Moody's Loan Grades** | **Fitch & Moody's Loan Grades** | **Fitch & Moody's Loan Grades** |
| **Compliance Grade** | **Loan Count** | **% of Loans** |
| A | 69 | 26.64% |

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| | | |
|:---|:---|:---|
| B | 161 | 62.16% |
| C | 14 | 5.41% |
| D | 15 | 5.79% |
| **Total** | **259** | **100.00%** |

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#### EXCEPTION SUMMARY (259 Mortgage Loans)
The summaries below detail the exceptions from the Compliance Review that would have resulted in a "B", "C", or "D" grade for a given mortgage loan. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

#### AMC Diligence, LLC (259 Mortgage Loans)
The following exceptions were noted on the mortgage loans included in the Compliance Review performed by AMCD.

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| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **DBRS Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | D | Missing, Incorrect, or Incomplete HUD-1 | 14 |
| Compliance | D | Incomplete File | 1 |
| Compliance | D | ***Total Compliance Grade (D) Exceptions:*** | ***15*** |
| Compliance | C | ATR/QM Defect | 26 |
| Compliance | C | ***Total Compliance Grade (C) Exceptions:*** | ***26*** |
| Compliance | B | TRID Defect | 185 |
| Compliance | B | TILA | 109 |
| Compliance | B | RESPA | 90 |
| Compliance | B | ECOA | 65 |
| Compliance | B | Missing Application Date | 45 |
| Compliance | B | Safe Act | 33 |
| Compliance | B | ATR/QM Defect | 32 |
| Compliance | B | TIL-MDIA | 27 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 23 |
| Compliance | B | FACTA | 20 |
| Compliance | B | Missing, Incorrect, or Incomplete GFE | 18 |
| Compliance | B | Missing, Incorrect, or Incomplete Final or Initial 1003 | 15 |
| Compliance | B | Missing Non-Required Data | 13 |
| Compliance | B | ATR/QM | 12 |
| Compliance | B | LTV Test | 7 |
| Compliance | B | Missing Required Data | 7 |
| Compliance | B | Missing, Incorrect, or Incomplete Final TIL | 7 |
| Compliance | B | Missing Required Data (other than HUD-1 or Note) | 5 |
| Compliance | B | Misc. State Level | 3 |
| Compliance | B | State Late Charge | 3 |
| Compliance | B | Federal HPML | 2 |
| Compliance | B | Final TIL Estimated | 2 |

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| | |
|:---|:---|
| Missing Disclosure | 1 |
| Missing, Incorrect, or Incomplete Initial TIL | 1 |
| Other TILA Violations | 1 |
| State HPML | 1 |
| ***Total Compliance Grade (B) Exceptions:*** | ***727*** |
| **Total Compliance Exceptions:** | **768** |

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| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Fitch & Moody's Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | D | Missing, Incorrect, or Incomplete HUD-1 | 14 |
| Compliance | D | Incomplete File | 1 |
| Compliance | D | ***Total Compliance Grade (D) Exceptions:*** | ***15*** |
| Compliance | C | ATR/QM Defect | 40 |
| Compliance | C | ***Total Compliance Grade (C) Exceptions:*** | ***40*** |
| Compliance | B | TRID Defect | 185 |
| Compliance | B | TILA | 109 |
| Compliance | B | RESPA | 90 |
| Compliance | B | ECOA | 65 |
| Compliance | B | Missing Application Date | 45 |
| Compliance | B | ATR/QM Defect | 40 |
| Compliance | B | Safe Act | 33 |
| Compliance | B | TIL-MDIA | 27 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 23 |
| Compliance | B | FACTA | 20 |
| Compliance | B | Missing, Incorrect, or Incomplete GFE | 18 |
| Compliance | B | Missing, Incorrect, or Incomplete Final or Initial 1003 | 15 |
| Compliance | B | Missing Non-Required Data | 13 |
| Compliance | B | ATR/QM | 12 |
| Compliance | B | LTV Test | 7 |
| Compliance | B | Missing Required Data | 7 |
| Compliance | B | Missing, Incorrect, or Incomplete Final TIL | 7 |
| Compliance | B | Missing Required Data (other than HUD-1 or Note) | 5 |
| Compliance | B | Misc. State Level | 3 |
| Compliance | B | State Late Charge | 3 |
| Compliance | B | Federal HPML | 2 |
| Compliance | B | Final TIL Estimated | 2 |
| Compliance | B | Missing Disclosure | 1 |
| Compliance | B | Missing, Incorrect, or Incomplete Initial TIL | 1 |
| Compliance | B | Other TILA Violations | 1 |
| Compliance | B | State HPML | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***735*** |

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| | |
|:---|:---|
| **Total Compliance Exceptions:** | **790** |

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#### DATA INTEGRITY REVIEW RESULTS SUMMARY (259 Mortgage Loans)
AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by the time period of the transaction. The information provided below is based upon the relevant data capture and bid tape elements for a specific transaction, as may be unique for that transaction, within the reviews that occurred to the associated mortgage loans that are included in the securitization population. Some mortgage loans may have multiple data discrepancies.

The data for LTV, CLTV and DTI was taken directly from various documents in the mortgage loan files and was not recalculated for this review.

Please note that AMC did not track the number of fields that were checked on each mortgage loan for these data integrity elements as the data review was conducted during the acquisition of such assets and varied by transaction. AMC can confirm that not all fields would have been reviewed for all mortgage loans; however, mortgage loans within a similar transaction would have included a consistent data comparison for that transaction.

#### AMC Diligence, LLC (259 Mortgage Loans)
In total, data variances were found on 231 (89.19%) mortgage loans across 53 unique data fields in the AMCD sample.

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| | | |
|:---|:---|:---|
| **Label** | **Delta(s)** | **% of Loans** |
| Doc Type | 119 | 45.95% |
| Note Date | 61 | 23.55% |
| Investor: Qualifying Total Debt Ratio | 53 | 20.46% |
| Original CLTV | 52 | 20.08% |
| Original P&I | 49 | 18.92% |
| Purpose | 43 | 16.60% |
| Representative FICO | 40 | 15.44% |
| Property Type | 32 | 12.36% |
| Origination Channel | 27 | 10.42% |
| Refi Purpose | 26 | 10.04% |
| PMI Company | 25 | 9.65% |
| Index Type | 24 | 9.27% |
| Street | 19 | 7.34% |
| Amortization Term | 17 | 6.56% |
| Interest Rate Life Min | 17 | 6.56% |
| Occupancy | 17 | 6.56% |
| First Payment Date | 14 | 5.41% |
| Original Interest Rate | 13 | 5.02% |
| Zip | 13 | 5.02% |
| Original LTV | 12 | 4.63% |
| Interest Rate Periodic Cap | 11 | 4.25% |
| Margin | 11 | 4.25% |
| Interest Rate Life Max | 10 | 3.86% |

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| | | |
|:---|:---|:---|
| Maturity Date | 9 | 3.47% |
| Interest Rate Periodic Floor | 8 | 3.09% |
| Contract Sales Price | 7 | 2.70% |
| First Interest Rate Change Date | 7 | 2.70% |
| Original Term | 7 | 2.70% |
| LTV Valuation Value | 6 | 2.32% |
| City | 5 | 1.93% |
| Interest Rate Change Frequency | 5 | 1.93% |
| Interest Rate Initial Maximum | 5 | 1.93% |
| Interest Rate Initial Minimum | 5 | 1.93% |
| Payment Change Frequency | 5 | 1.93% |
| Interest Rate Life Cap | 4 | 1.54% |
| Original Loan Amount | 4 | 1.54% |
| Amortization Type | 3 | 1.16% |
| Interest Rate Initial Cap | 3 | 1.16% |
| PMI Coverage % | 3 | 1.16% |
| Balloon Flag | 2 | 0.77% |
| Borrower Last Name | 2 | 0.77% |
| Borrower Middle Name | 2 | 0.77% |
| Coborrower Middle Name | 2 | 0.77% |
| Next Interest Rate Change Date | 2 | 0.77% |
| Next Payment Change Date | 2 | 0.77% |
| Appraised Value | 1 | 0.39% |
| Borrower First Name | 1 | 0.39% |
| Borrower SSN | 1 | 0.39% |
| Coborrower Last Name | 1 | 0.39% |
| First Payment Change Date | 1 | 0.39% |
| Index Value | 1 | 0.39% |
| Interest Rate Life Floor | 1 | 0.39% |
| Prepayment Penalty | 1 | 0.39% |
| **Total** | **811** |  |

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#### COLLECTION COMMENT REVIEW SUMMARY (49 Mortgage Loans)
Of the mortgage loans subject to the collection comment review, 40 mortgage loans (81.63%) triggered an EV1 or EV2 exception level, and 9 mortgage loans (18.37%) triggered an EV3.

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| | | |
|:---|:---|:---|
| **Servicing Review Grade** | **Loan Count** | **% of Loans** |
| 1 | 38 | 77.55% |
| 2 | 2 | 4.08% |
| 3 | 9 | 18.37% |
| **Total** | **49** | **100.00%** |

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#### PAYMENT HISTORY REVIEW SUMMARY (323 Mortgage Loans)
A Payment History Review was completed on 323 mortgage loans. Of the 323 mortgage loans subjected to the Payment History Review, 322 mortgage loans (99.69%) had complete pay history strings and 1 mortgage loan (0.31%) had an incomplete pay history string. Of the mortgage loans reviewed, 276 mortgage loans (85.45%) did not show a delinquency within the look back period and 47 mortgage loans (14.55%) showed at least one delinquency within the look back period.

Of the 323 mortgage loans reviewed, all 323 mortgage loans (100.00%) were reviewed with cut-off dates ranging from June 30, 2015, to November 30, 2024. Of the mortgage loans reviewed, all 323 mortgage loans (100.00%) were reviewed with look back periods ranging from 12 months to 36 months.

---

| | | |
|:---|:---|:---|
| **Category** | **Loan Count** | **% of Loans** |
| No Delinquency, No Missing Data | 275 | 85.14% |
| Delinquency, No Missing Data | 47 | 14.55% |
| No Delinquency, At Least One Month Missing | 1 | 0.31% |
| Delinquency, At Least One Month Missing | 0 | 0.00% |
| **Total** | **323** | **100.00%** |

---

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| | | |
|:---|:---|:---|
| **Lookback** | **Loan Count** | **% of Loans** |
| Twelve (12) Months | 4 | 1.24% |
| Twenty-Four (24) Months | 80 | 24.77% |
| Thirty-Six (36) Months | 239 | 73.99% |
| **Total** | **323** | **100.00%** |

---

#### TAX AND TITLE REVIEW SUMMARY
***SitusAMC Diligence, LLC Review* (36 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with data on 36 mortgage loans. There were 8 mortgage loans that were determined to have critical findings based on the scope of reviews set forth herein. Of these 8 mortgage loans, 7 mortgage loans had a senior lien encumbrance recorded before the recordation of the subject mortgage; however, all 7 mortgage loans were determined to be mitigated after review of Schedule B of the related title policy. The remaining 1 mortgage loan had a senior lien encumbrance recorded after the recordation of the subject mortgage which could not be mitigated by reviewing Schedule B of the related title policy. SitusAMC determined from a review of the current owner's title search there were no critical exceptions on the remaining 28 mortgage loans.

#### ADDITIONAL SUMMARY (AMC Population – 259 Mortgage Loans)
*Some % of Loans may not add to 100% due to rounding*

---

| | | |
|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** |
| Fixed | 66 | 25.48% |
| Adjustable | 193 | 74.52% |
| **Total** | **259** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** |
| 1 | 259 | 100.00% |
| **Total** | **259** | **100.00%** |

---

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| | | |
|:---|:---|:---|
| **Loan Purpose** | **Loan Count** | **% of Loans** |
| Construction to Permanent | 6 | 2.32% |
| Purchase | 116 | 44.79% |
| Cash-out - Debt Consolidation | 21 | 8.11% |

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| | | |
|:---|:---|:---|
| Cash-out - Home Improvement | 4 | 1.54% |
| Cash-out - Other | 39 | 15.06% |
| Limited Cash-out GSE | 2 | 0.77% |
| Rate/Term | 66 | 25.48% |
| Unavailable | 5 | 1.93% |
| **Total** | **259** | **100.00%** |

---

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| | | |
|:---|:---|:---|
| **Original Term** | **Loan Count** | **% of Loans** |
| 0-120 Months | 2 | 0.77% |
| 121-180 Months | 3 | 1.16% |
| 181-240 Months | 2 | 0.77% |
| 241-360 Months | 239 | 92.28% |
| 361+ Months | 13 | 5.02% |
| **Total** | **259** | **100.00%** |

---

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| | | |
|:---|:---|:---|
| **Property Type** | **Loan Count** | **% of Loans** |
| 2 Family | 16 | 6.18% |
| 3 Family | 8 | 3.09% |
| 4 Family | 1 | 0.39% |
| Condo (High Rise) | 11 | 4.25% |
| Condo (Low Rise) | 38 | 14.67% |
| Condo (Mid Rise) | 12 | 4.63% |
| Manufactured Housing | 2 | 0.77% |
| PUD | 21 | 8.11% |
| Raw Land/Other Non-Res Prop | 5 | 1.93% |
| Single Family Attached | 2 | 0.77% |
| Single Family Detached | 136 | 52.51% |
| UTD | 7 | 2.70% |
| **Total** | **259** | **100.00%** |

---

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| | | |
|:---|:---|:---|
| **Occupancy** | **Loan Count** | **% of Loans** |
| Primary | 185 | 71.43% |
| Investment | 63 | 24.32% |
| Second Home | 10 | 3.86% |
| Unknown | 1 | 0.39% |
| **Total** | **259** | **100.00%** |

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## Exhibit 99.1

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#### EXECUTIVE SUMMARY

(1) Type of assets that were reviewed.

AMC Diligence, LLC ("AMC") performed due diligence services as described below utilizing various scopes of review. All of these mortgage loans, which were originated by multiple parties, were purchased by an affiliate of FirstKey Mortgage, LLC ("Client") in multiple bulk transactions and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

(2) Sample size of the assets reviewed.

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

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

---

| | | |
|:---|:---|:---|
| ◾ | "Compliance Review": | 502 mortgage loans |
| ◾ | "Data Integrity Review": | 502 mortgage loans |
| ◾ | "Modification Review" | 147 mortgage loans |
| ◾ | "Collection Comment Review": | &nbsp;&nbsp;&nbsp;&nbsp;76 mortgage loans |
| ◾ | "Payment History Review": | 539 mortgage loans |
| ◾ | "Title Review": | &nbsp;&nbsp;&nbsp;&nbsp;55 mortgage loans |

---

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

(3) Determination of the sample size and computation.

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of this Form ABS Due Diligence-15E.

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

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

Not applicable.

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

Not applicable.

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

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

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an

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individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by AMC.

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

#### FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (139 Mortgage Loans)
(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

<br> a) <u>Rescission (§1026.23):</u>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty test; and

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

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

<br> i) APR threshold test; and

<br> ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(VI) Document Review

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

<br> ◾ Initial application (1003);

<br> ◾ Final application (1003);

<br> ◾ Note;

<br> ◾ Appraisal;

<br> ◾ Sales contract;

<br> ◾ Title/Preliminary Title;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Final HUD-1;

<br> ◾ Initial and final GFE's;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ FACTA disclosures; and

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

#### FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 (15 Mortgage Loans)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to

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<br>consummation and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

(XI) FIRREA Review

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

#### FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015 (348 Mortgage Loans)
For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(XIII) Document Review

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

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

(8) Other: review and methodology.

**Data Integrity Review:** AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by time period of transaction.

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**Collection Comment Review:** AMC performed a pre-acquisition review utilizing individual mortgage loan collection comments provided by the servicer in order to provide a brief summary outlining current performance status, the borrower's ability to pay, relative future/current risk (including hardship, life changes, etc.), possible servicer remedies, loss mitigation efforts, and modifications.

**Modification Review:** AMC conducted a review of the modification, or modifications, contained within the mortgage loan file.

**Payment History Review:** AMC performed a review utilizing individual mortgage loan payment history reports provided by the servicer. Using the MBA methodology, AMC created a payment string using a look back period for each mortgage loan within the payment history population ranging from 12 to 36 months.

**SAFE ACT Review:** For applicable mortgage loans, AMC performed a SAFE ACT review by going to the NMLS site and verifying, if the information is available, if the broker (if applicable) and the originator were licensed at the time of mortgage loan origination. The NMLS site contains limited retroactive license information and may not have such information available for all originators. This review was completed based upon the information that was available and AMC does not represent or warranty as to the completeness or accuracy of information contained on the site.

#### Title Review
As requested by the Client, a title review was included in SitusAMC's scope of review. To facilitate this review, the Client provided SitusAMC with identifying data on the population of mortgage loans. Data provided by the client, included mortgage loan and servicer identification numbers as well as subject property address, borrower names, origination date, original mortgage loan amount for the subject mortgage and title policies from origination as it relates to the subject mortgage. Using the data provided, SitusAMC ordered a current owner's title search on these mortgage loans through a service provider. Upon receipt and review of the current owner's title search results, SitusAMC identified whether the title search report revealed any liens and/or judgments which could affect the seniority of the subject mortgage, including potentially superior post origination liens and/or judgments as well as subject mortgage not of record. For the purposes of identifying potentially superior post-origination homeowners' association ("HOA") liens, the Client has vetted and approved for use a list of states prepared by outside counsel for which potentially superior post origination HOA liens may take priority over the subject mortgage. The states identified by the Client to be super lien states are AL, AK, CO, CT, DC, DE, FL, HI, IL, MA, MD, MN, MO, NV, NH, NJ, OR, PA, RI, TN, VA, VT, WA, and WV. SitusAMC reviewed the title policies for all liens and/or judgments that were recorded before the recordation of the subject mortgage to determine if any identifiable liens and/or judgments were listed as an exception on schedule B of the applicable title policies.

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

(9) Disclaimer.

Except as expressly enumerated above, please be advised that SitusAMC has not performed any review to determine whether the mortgage loans covered in this Report complied with federal, state or local laws, constitutional provisions, regulations, ordinances or any other laws or guidance, including, without limitation, licensing and general usury laws ("Applicable Law"). Further, there can be no assurances that in performing the review and preparing this Report that SitusAMC has uncovered all relevant factors and potential issues relating to the origination of the mortgage loans, their compliance with Applicable Law, or the original appraisals relating to the mortgaged properties, or that SitusAMC has uncovered all relevant factors that could affect the future performance of the mortgage loans. Please note that the results set forth in this Report are dependent upon receipt of complete and accurate data regarding the mortgage loans from mortgage loan originators, sponsors, issuers, and other third parties upon which SitusAMC is relying in reaching such results. Except as expressly stated herein, SitusAMC did not verify the data relied upon in performing its review and producing this Report. In addition, the findings and conclusions set forth in this Report are provided on an "as is" basis and are based on available information and Applicable Law as of the date of this Report, and SitusAMC does not undertake

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any obligation to update or provide any revisions to this Report to reflect events, circumstances, changes in Applicable Law, or changes in expectations after the date this Report was issued.

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

#### Item 5. Summary of findings and conclusions of review
There were 502 mortgage loans in the final compliance population reviewed by AMC. After all documents were presented, under the DBRS grading criteria, 137 mortgage loans (27.29%) had an Overall grade of "A", 326 mortgage loans (64.94%) had an Overall grade of "B", 19 mortgage loans (3.78%) had an Overall grade of "C", and 20 mortgage loans (3.98%) had an Overall grade of "D". After all documents were presented, under the applicable Fitch & Moody's NRSRO grading criteria, 129 (25.70%) had an Overall grade of "A", 330 (65.74%) had an Overall grade of "B", 23 (4.58%) loans had exceptions that generated an Overall grade of "C", and 20 (3.98%) had an Overall grade of "D". Of the 502 mortgage loans reviewed for compliance, 501 were reviewed by AMCD and 1 was reviewed by JCIII.

#### COMPLIANCE RESULTS SUMMARY (502 Mortgage Loans)
Pursuant to the applicable NRSRO criteria, AMC graded certain compliance exceptions as non-material based upon seasoning of the mortgage loans. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than rescission, which may be raised as a defense to foreclosure. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan.

#### AMC Consolidated (502 Mortgage Loans)

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| | | |
|:---|:---|:---|
| **DBRS NRSRO Loan Grades** | **DBRS NRSRO Loan Grades** | **DBRS NRSRO Loan Grades** |
| **Compliance Grade** | **Loan Count** | **% of Loans** |
| A | 137 | 27.29% |
| B | 326 | 64.94% |
| C | 19 | 3.78% |
| D | 20 | 3.98% |
| **Total** | **502** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Fitch & Moody's Loan Grades** | **Fitch & Moody's Loan Grades** | **Fitch & Moody's Loan Grades** |
| **Compliance Grade** | **Loan Count** | **% of Loans** |

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| | | |
|:---|:---|:---|
| A | 129 | 25.70% |
| B | 330 | 65.74% |
| C | 23 | 4.58% |
| D | 20 | 3.98% |
| **Total** | **502** | **100.00%** |

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#### AMC Diligence, LLC (501 Mortgage Loans)

---

| | | |
|:---|:---|:---|
| **DBRS NRSRO Loan Grades** | **DBRS NRSRO Loan Grades** | **DBRS NRSRO Loan Grades** |
| **Compliance Grade** | **Loan Count** | **% of Loans** |
| A | 137 | 27.35% |
| B | 325 | 64.87% |
| C | 19 | 3.79% |
| D | 20 | 3.99% |
| **Total** | **501** | **100.00%** |

---

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| | | |
|:---|:---|:---|
| **Fitch & Moody's Loan Grades** | **Fitch & Moody's Loan Grades** | **Fitch & Moody's Loan Grades** |
| **Compliance Grade** | **Loan Count** | **% of Loans** |
| A | 129 | 25.75% |
| B | 329 | 65.67% |
| C | 23 | 4.59% |
| D | 20 | 3.99% |
| **Total** | **501** | **100.00%** |

---

#### JCIII & Associates, LLC (1 Mortgage Loan)

---

| | | |
|:---|:---|:---|
| **Compliance Grade** | **Loan Count** | **% of Loans** |
| A | 0 | 0.00% |
| B | 1 | 100.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **1** | **100.00%** |

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#### EXCEPTION SUMMARY (502 Mortgage Loans)
The summaries below detail the exceptions from the Compliance Review that would have resulted in a "B", "C", or "D" grade for a given mortgage loan. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

#### AMC Diligence, LLC (501 Mortgage Loans)
The following exceptions were noted on the mortgage loans included in the Compliance Review performed by AMCD.

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| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **DBRS Final Exception Rating** | **Exception Category** | **Total** |

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| | | | |
|:---|:---|:---|:---|
| Compliance | D | Missing, Incorrect, or Incomplete HUD-1 | 18 |
| Compliance | D | Incomplete File | 1 |
| Compliance | D | Missing, Incorrect, or Incomplete Note | 1 |
| Compliance | D | ***Total Compliance Grade (D) Exceptions:*** | ***20*** |
| Compliance | C | ATR/QM Defect | 36 |
| Compliance | C | ***Total Compliance Grade (C) Exceptions:*** | ***36*** |
| Compliance | B | TRID Defect | 467 |
| Compliance | B | TILA | 182 |
| Compliance | B | RESPA | 139 |
| Compliance | B | ECOA | 123 |
| Compliance | B | Missing Application Date | 71 |
| Compliance | B | ATR/QM Defect | 57 |
| Compliance | B | TIL-MDIA | 48 |
| Compliance | B | Safe Act | 44 |
| Compliance | B | FACTA | 41 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 37 |
| Compliance | B | Missing, Incorrect, or Incomplete GFE | 29 |
| Compliance | B | Missing, Incorrect, or Incomplete Final or Initial 1003 | 27 |
| Compliance | B | Missing Non-Required Data | 23 |
| Compliance | B | ATR/QM | 18 |
| Compliance | B | Misc. State Level | 18 |
| Compliance | B | Missing, Incorrect, or Incomplete Final TIL | 10 |
| Compliance | B | LTV Test | 7 |
| Compliance | B | Missing Required Data | 7 |
| Compliance | B | Missing Required Data (other than HUD-1 or Note) | 5 |
| Compliance | B | State Late Charge | 5 |
| Compliance | B | Federal HPML | 2 |
| Compliance | B | Final TIL Estimated | 2 |
| Compliance | B | Loan Package Documentation | 2 |
| Compliance | B | Missing Disclosure | 2 |
| Compliance | B | Other TILA Violations | 2 |
| Compliance | B | TRID | 2 |
| Compliance | B | Compliance | 1 |
| Compliance | B | FHA | 1 |
| Compliance | B | Insurance | 1 |
| Compliance | B | Missing, Incorrect, or Incomplete Initial TIL | 1 |
| Compliance | B | State Defect | 1 |
| Compliance | B | State HPML | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***1376*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **1432** |

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| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Fitch & Moody's Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | D | Missing, Incorrect, or Incomplete HUD-1 | 18 |
| Compliance | D | Incomplete File | 1 |
| Compliance | D | Missing, Incorrect, or Incomplete Note | 1 |
| Compliance | D | ***Total Compliance Grade (D) Exceptions:*** | ***20*** |
| Compliance | C | ATR/QM Defect | 59 |
| Compliance | C | ***Total Compliance Grade (C) Exceptions:*** | ***59*** |
| Compliance | B | TRID Defect | 467 |
| Compliance | B | TILA | 182 |
| Compliance | B | RESPA | 139 |
| Compliance | B | ECOA | 123 |
| Compliance | B | ATR/QM Defect | 76 |
| Compliance | B | Missing Application Date | 71 |
| Compliance | B | TIL-MDIA | 48 |
| Compliance | B | Safe Act | 44 |
| Compliance | B | FACTA | 41 |
| Compliance | B | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 37 |
| Compliance | B | Missing, Incorrect, or Incomplete GFE | 29 |
| Compliance | B | Missing, Incorrect, or Incomplete Final or Initial 1003 | 27 |
| Compliance | B | Missing Non-Required Data | 23 |
| Compliance | B | ATR/QM | 18 |
| Compliance | B | Misc. State Level | 18 |
| Compliance | B | Missing, Incorrect, or Incomplete Final TIL | 10 |
| Compliance | B | LTV Test | 7 |
| Compliance | B | Missing Required Data | 7 |
| Compliance | B | Missing Required Data (other than HUD-1 or Note) | 5 |
| Compliance | B | State Late Charge | 5 |
| Compliance | B | Federal HPML | 2 |
| Compliance | B | Final TIL Estimated | 2 |
| Compliance | B | Loan Package Documentation | 2 |
| Compliance | B | Missing Disclosure | 2 |
| Compliance | B | Other TILA Violations | 2 |
| Compliance | B | TRID | 2 |
| Compliance | B | Compliance | 1 |
| Compliance | B | FHA | 1 |
| Compliance | B | Insurance | 1 |
| Compliance | B | Missing, Incorrect, or Incomplete Initial TIL | 1 |
| Compliance | B | State Defect | 1 |
| Compliance | B | State HPML | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***1395*** |

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| | |
|:---|:---|
| **Total Compliance Exceptions:** | **1474** |

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#### JCIII & Associates, LLC (1 Mortgage Loan)
The following exceptions were noted on the mortgage loans included in the Compliance Review performed by JCIII.

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| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | B | Missing Disclosure | 1 |
| Compliance | B | Missing, Incorrect, or Incomplete GFE | 1 |
| Compliance | B | Missing, Incorrect, or Incomplete Initial TIL | 1 |
| Compliance | B | TILA | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | ***4*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **4** |

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#### DATA INTEGRITY REVIEW RESULTS SUMMARY (502 Mortgage Loans)
AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by the time period of the transaction. The information provided below is based upon the relevant data capture and bid tape elements for a specific transaction, as may be unique for that transaction, within the reviews that occurred to the associated mortgage loans that are included in the securitization population. Data discrepancies have been separated by mortgage loans reviewed by AMCD and mortgage loans reviewed by JCIII. Some mortgage loans may have multiple data discrepancies.

The data for LTV, CLTV and DTI was taken directly from various documents in the mortgage loan files and was not recalculated for this review.

Please note that AMC did not track the number of fields that were checked on each mortgage loan for these data integrity elements as the data review was conducted during the acquisition of such assets and varied by transaction. AMC can confirm that not all fields would have been reviewed for all mortgage loans; however, mortgage loans within a similar transaction would have included a consistent data comparison for that transaction.

#### AMC Diligence, LLC (501 Mortgage Loans)
In total, data variances were found on 431 (86.03%) mortgage loans across 58 unique data fields in the AMCD sample.

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| | | |
|:---|:---|:---|
| **Label** | **Delta(s)** | **% of Loans** |
| Doc Type | 205 | 40.92% |
| Note Date | 103 | 20.56% |
| Original CLTV | 103 | 20.56% |
| Investor: Qualifying Total Debt Ratio | 95 | 18.96% |
| Original P&I | 87 | 17.37% |
| Purpose | 86 | 17.17% |
| Representative FICO | 64 | 12.77% |
| PMI Company | 54 | 10.78% |
| Property Type | 53 | 10.58% |
| Refi Purpose | 52 | 10.38% |
| Index Type | 44 | 8.78% |
| Origination Channel | 44 | 8.78% |
| Street | 40 | 7.98% |

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| | | |
|:---|:---|:---|
| First Payment Date | 37 | 7.39% |
| Amortization Term | 29 | 5.79% |
| Interest Rate Life Min | 28 | 5.59% |
| Occupancy | 28 | 5.59% |
| Original LTV | 23 | 4.59% |
| Original Interest Rate | 20 | 3.99% |
| Zip | 20 | 3.99% |
| Interest Rate Periodic Cap | 17 | 3.39% |
| Margin | 17 | 3.39% |
| Maturity Date | 17 | 3.39% |
| Interest Rate Life Max | 16 | 3.19% |
| Interest Rate Periodic Floor | 13 | 2.59% |
| LTV Valuation Value | 13 | 2.59% |
| Original Term | 13 | 2.59% |
| First Interest Rate Change Date | 10 | 2.00% |
| Interest Rate Change Frequency | 10 | 2.00% |
| Interest Rate Initial Maximum | 9 | 1.80% |
| Contract Sales Price | 8 | 1.60% |
| Interest Rate Initial Minimum | 8 | 1.60% |
| Payment Change Frequency | 8 | 1.60% |
| City | 7 | 1.40% |
| Interest Rate Life Cap | 7 | 1.40% |
| Amortization Type | 5 | 1.00% |
| Original Loan Amount | 5 | 1.00% |
| Borrower Last Name | 4 | 0.80% |
| Borrower SSN | 4 | 0.80% |
| Interest Rate Initial Cap | 4 | 0.80% |
| Balloon Flag | 3 | 0.60% |
| Borrower First Name | 3 | 0.60% |
| Borrower Middle Name | 3 | 0.60% |
| Coborrower Middle Name | 3 | 0.60% |
| Next Payment Change Date | 3 | 0.60% |
| PMI Coverage % | 3 | 0.60% |
| Prepayment Penalty | 3 | 0.60% |
| Coborrower Last Name | 2 | 0.40% |
| Coborrower SSN | 2 | 0.40% |
| First Payment Change Date | 2 | 0.40% |
| Interest Rate Life Floor | 2 | 0.40% |
| Next Interest Rate Change Date | 2 | 0.40% |
| Appraised Value | 1 | 0.20% |

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| | | |
|:---|:---|:---|
| Coborrower First Name | 1 | 0.20% |
| Index Value | 1 | 0.20% |
| Mortgage Type | 1 | 0.20% |
| Rounding Method | 1 | 0.20% |
| Total Debt Ratio | 1 | 0.20% |
| **Total** | **1447** |  |

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#### JCIII & Associates, LLC (1 Mortgage Loan)
In total, no data variances were found on the 1 mortgage loan in the JCIII sample.

#### COLLECTION COMMENT REVIEW SUMMARY (76 Mortgage Loans)
Of the mortgage loans subject to the collection comment review, 65 mortgage loans (85.53%) triggered an EV1 or EV2 exception level, and 11 mortgage loans (14.47%) triggered an EV3.

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| | | |
|:---|:---|:---|
| **Servicing Review Grade** | **Loan Count** | **% of Loans** |
| 1 | 61 | 80.26% |
| 2 | 4 | 5.26% |
| 3 | 11 | 14.47% |
| **Total** | **76** | **100.00%** |

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#### PAYMENT HISTORY REVIEW SUMMARY (539 Mortgage Loans)
A Payment History Review was completed on 539 mortgage loans. Of the 539 mortgage loans subjected to the Payment History Review, 538 mortgage loans (99.81%) had complete pay history strings and 1 mortgage loan (0.19%) had an incomplete pay history string. Of the mortgage loans reviewed, 458 mortgage loans (84.97%) did not show a delinquency within the look back period and 81 mortgage loans (15.03%) showed at least one delinquency within the look back period.

Of the 539 mortgage loans reviewed, all 539 mortgage loans (100.00%) were reviewed with cut-off dates ranging from June 30, 2015, to November 30, 2024. Of the mortgage loans reviewed, all 539 mortgage loans (100.00%) were reviewed with look back periods ranging from 12 months to 36 months.

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| | | |
|:---|:---|:---|
| **Category** | **Loan Count** | **% of Loans** |
| No Delinquency, No Missing Data | 457 | 84.79% |
| Delinquency, No Missing Data | 81 | 15.03% |
| No Delinquency, At Least One Month Missing | 1 | 0.19% |
| Delinquency, At Least One Month Missing | 0 | 0.00% |
| **Total** | **539** | **100.00%** |

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| | | |
|:---|:---|:---|
| **Lookback** | **Loan Count** | **% of Loans** |
| Twelve (12) Months | 4 | 0.74% |
| Twenty-Four (24) Months | 139 | 25.79% |
| Thirty-Six (36) Months | 396 | 73.47% |
| **Total** | **539** | **100.00%** |

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#### TAX AND TITLE REVIEW SUMMARY
***SitusAMC Diligence, LLC Review* (55 Mortgage Loans)**

As part of the due diligence services, the Client provided SitusAMC with data on 55 mortgage loans. There were 12 mortgage loans that were determined to have critical findings based on the scope of reviews set forth herein. Of these 12 mortgage loans, 11 mortgage loans had a senior lien encumbrance recorded before the recordation of the subject mortgage; however, all 11 mortgage loans were determined to be mitigated after review of Schedule B of the related title policy. The remaining 1 mortgage loan had a senior lien encumbrance recorded after the recordation of the subject mortgage which

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could not be mitigated by reviewing Schedule B of the related title policy. SitusAMC determined from a review of the current owner's title search there were no critical exceptions on the remaining 43 mortgage loans.

#### ADDITIONAL SUMMARY (AMC Population – 501 Mortgage Loans)
*Some % of Loans may not add to 100% due to rounding*

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| | | |
|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** |
| Fixed | 167 | 33.33% |
| Adjustable | 334 | 66.67% |
| **Total** | **501** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** |
| 1 | 501 | 100.00% |
| **Total** | **501** | **100.00%** |

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| | | |
|:---|:---|:---|
| **Loan Purpose** | **Loan Count** | **% of Loans** |
| Construction-Permanent | 13 | 2.59% |
| Purchase | 230 | 45.91% |
| Cash-out - Debt Consolidation | 33 | 6.59% |
| Cash-out - Home Improvement | 6 | 1.20% |
| Cash-out - Other | 91 | 18.16% |
| Limited Cash-out GSE | 3 | 0.60% |
| Rate/Term Refinance | 120 | 23.95% |
| Unavailable | 5 | 1.00% |
| **Total** | **501** | **100.00%** |

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| | | |
|:---|:---|:---|
| **Original Term** | **Loan Count** | **% of Loans** |
| 0-120 Months | 2 | 0.40% |
| 121-180 Months | 12 | 2.40% |
| 181-240 Months | 3 | 0.60% |
| 241-360 Months | 465 | 92.81% |
| 361+ Months | 19 | 3.79% |
| **Total** | **501** | **100.00%** |

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| | | |
|:---|:---|:---|
| **Property Type** | **Loan Count** | **% of Loans** |
| Single Family Detached | 251 | 50.10% |
| Co-op | 4 | 0.80% |
| Condo (High Rise) | 17 | 3.39% |
| Condo (Low Rise) | 76 | 15.17% |
| Condo (Mid Rise) | 26 | 5.19% |
| Single-wide Manufactured Housing | 4 | 0.80% |
| PUD | 56 | 11.18% |
| 1 Family Attached | 7 | 1.40% |

---

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| | | |
|:---|:---|:---|
| 2 Family | 29 | 5.79% |
| 3 Family | 14 | 2.79% |
| 4 Family | 4 | 0.80% |
| Land | 6 | 1.20% |
| Unavailable | 7 | 1.40% |
| **Total** | **501** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| **Occupancy** | **Loan Count** | **% of Loans** |
| Primary | 373 | 74.45% |
| Investment | 108 | 21.56% |
| Second Home | 19 | 3.79% |
| Unknown | 1 | 0.20% |
| **Total** | **501** | **100.00%** |

---

#### ADDITIONAL SUMMARY (JCIII Population - 1 Mortgage Loan)
*Some % of Loans may not add to 100% due to rounding*

---

| | | |
|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** |
| Fixed | 1 | 100.00% |
| **Total** | **1** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** |
| First | 1 | 100.00% |
| **Total** | **1** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** |
| Cashout Refi | 1 | 100.00% |
| **Total** | **1** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** |
| 241-360 Months | 1 | 100.00% |
| **Total** | **1** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** |
| Manufactured (Double-Wide) | 1 | 100.00% |
| **Total** | **1** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** |
| Primary | 1 | 100.00% |

---

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---

| | |
|:---|:---|
| **Total**<sub>1</sub> | **100.00%** |

---

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## Exhibit 99.1

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#### EXECUTIVE SUMMARY
**(1) Type of assets that were reviewed.**

AMC Diligence, LLC ("AMC") performed due diligence services as described below utilizing various scopes of review. All of these mortgage loans, which were originated by one (1) Lender, were purchased by an affiliate of FirstKey Mortgage, LLC ("Client") in a single bulk whole loan purchase transaction and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

The diligence review (the "Review") was conducted on a portion of the bulk acquisition mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for a specific scope of review.

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

◾ "Compliance Review": 656 mortgage loans <br> ◾ "Data Integrity Review": 656 mortgage loans <br> ◾ "Payment History Review": 656 mortgage loans

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

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified below.

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

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

Not applicable.

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

Not applicable.

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

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

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

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

#### FOR APPLICATION DATES BEFORE JANUARY 10, 2014 (141 Mortgage Loans)
**(I) Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:**

<br> a) <u>Rescission (§1026.23):</u>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty test; and

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

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

<br> i) APR threshold test; and

<br> ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

<br> ◾ Initial application (1003);

<br> ◾ Final application (1003);

<br> ◾ Note;

<br> ◾ Appraisal;

<br> ◾ Sales contract;

<br> ◾ Title/Preliminary Title;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Final HUD-1;

<br> ◾ Initial and final GFE's;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ FACTA disclosures; and

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

#### FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014 (88 Mortgage Loans)
For mortgage loans with application dates on or after January 10, 2014 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014** section above plus:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the

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appraisal was complete, that the comparables and adjustments were reasonable and that pictures were provided and were accurate.

#### FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015 (427 Mortgage Loans)
For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by AMC. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XIII) Document Review**

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

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

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

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

**Data Integrity Review:** AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by time period of transaction.

**Payment History Review:** AMC performed a review utilizing individual mortgage loan payment history reports provided by the servicer. Using the MBA methodology, AMC created a payment string using a look back period for each mortgage loan within the payment history population ranging from 24 months.

**SAFE ACT Review:** For applicable mortgage loans, AMC performed a SAFE ACT review by going to the NMLS site and verifying, if the information is available, if the broker (if applicable) and the originator were licensed at the time of mortgage loan origination. The NMLS site contains limited retroactive license information and may not have such

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information available for all originators. This review was completed based upon the information that was available and AMC does not represent or warranty as to the completeness or accuracy of information contained on the site.

**(9) Disclaimer.**

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

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

#### Summary of findings and conclusions of review
There were 656 mortgage loans in the final compliance population reviewed by AMC. After all documents were presented, under the applicable Fitch and Moody's NRSRO grading criteria, 46 (7.01%) had an Overall grade of "A", 470 (71.65%) had an Overall grade of "B", 119 (18.14%) loans had an Overall grade of "C", and 21 (3.20%) had an Overall grade of "D". Under the applicable DBRS NRSRO grading criteria, 46 (7.01%) had an Overall grade of "A", 476 (72.56%) had an Overall grade of "B", 113 (17.23%) loans had an Overall grade of "C", and 21 (3.20%) had an Overall grade of "D".

#### COMPLIANCE RESULTS SUMMARY (656 Mortgage Loans)
Pursuant to the applicable NRSRO criteria, AMC graded certain compliance exceptions as non-material based upon seasoning of the mortgage loans. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than rescission, which may be raised as a defense to foreclosure. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan.

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#### AMC Diligence, LLC (656 Mortgage Loans)

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Fitch & Moody's Loan Grades** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Fitch & Moody's Loan Grades** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Fitch & Moody's Loan Grades** |
| <br> **Compliance Grade** | &nbsp;&nbsp;&nbsp;&nbsp; **Loan Count** | <br> **% of Loans** |
| A | 46 | 7.01% |
| B | 470 | 71.65% |
| C | 119 | 18.14% |
| D | 21 | 3.20% |
| **Total** | **656** | **100.00%** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **DBRS Loan Grades** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **DBRS Loan Grades** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **DBRS Loan Grades** |
| <br> **Compliance Grade** | &nbsp;&nbsp;&nbsp;&nbsp; **Loan Count** | <br> **% of Loans** |
| A | 46 | 7.01% |
| B | 476 | 72.56% |
| C | 113 | 17.23% |
| D | 21 | 3.20% |
| **Total** | **656** | **100.00%** |

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#### EXCEPTION SUMMARY (656 Mortgage Loans)
The summaries below detail the exceptions from the Compliance Review that would have resulted in a "B", "C", or "D" grade for a given mortgage loan. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

The following exceptions were noted on the mortgage loans included in the Compliance Review performed by AMCD.

#### AMC Diligence, LLC (656 Mortgage Loans)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Exception Type** | &nbsp;&nbsp; **Fitch & Moody's Final Exception**<br> **Rating** | &nbsp;&nbsp; <br>**Exception Category** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> **Total Exceptions** |
| &nbsp;&nbsp; Compliance | D | &nbsp;&nbsp; Missing, Incorrect, or Incomplete HUD-1 | 17 |
| &nbsp;&nbsp; Compliance | D | &nbsp;&nbsp; Missing, Incorrect, or Incomplete Note | 3 |
| &nbsp;&nbsp; Compliance | D | &nbsp;&nbsp; Incomplete File | 1 |
| &nbsp;&nbsp; Compliance | D | ***Total Compliance Grade (D) Exceptions:*** | ***21*** |
| &nbsp;&nbsp; Compliance | C | &nbsp;&nbsp; ATR/QM Defect | 343 |
| &nbsp;&nbsp; Compliance | C | &nbsp;&nbsp; TILA | 7 |
| &nbsp;&nbsp; Compliance | C | &nbsp;&nbsp; TRID Defect | 2 |
| &nbsp;&nbsp; Compliance | C | &nbsp;&nbsp; Compliance | 1 |
| &nbsp;&nbsp; Compliance | C | ***Total Compliance Grade (C) Exceptions:*** | ***353*** |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; TILA | 568 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; TRID Defect | 553 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; RESPA | 438 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; ECOA | 375 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; TIL-MDIA | 267 |

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| | |
|:---|:---|
| &nbsp;&nbsp; Safe Act | 218 |
| &nbsp;&nbsp; Missing, Incorrect, or Incomplete Final or Initial 1003 | 124 |
| &nbsp;&nbsp; ATR/QM | 68 |
| &nbsp;&nbsp; ATR/QM Defect | 65 |
| &nbsp;&nbsp; Missing Application Date | 64 |
| &nbsp;&nbsp; TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 54 |
| &nbsp;&nbsp; FACTA | 53 |
| &nbsp;&nbsp; Missing, Incorrect, or Incomplete GFE | 36 |
| &nbsp;&nbsp; Missing Required Data | 17 |
| &nbsp;&nbsp; Missing Non-Required Data | 15 |
| &nbsp;&nbsp; Missing Disclosure | 12 |
| &nbsp;&nbsp; Missing Required Data (other than HUD-1 or Note) | 7 |
| &nbsp;&nbsp; TRID | 7 |
| &nbsp;&nbsp; Missing, Incorrect, or Incomplete Final TIL | 6 |
| &nbsp;&nbsp; LTV Test | 3 |
| &nbsp;&nbsp; Federal HPML | 2 |
| &nbsp;&nbsp; State Defect | 1 |
| &nbsp;&nbsp; GSE | 1 |
| &nbsp;&nbsp; Misc. State Level | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ***Total Compliance Grade (B) Exceptions:*** | ***2955*** |
| **Total Compliance Exceptions:** | **3329** |

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Exception Type** | **DBRS Final Exception Rating** | &nbsp;&nbsp; <br>**Exception Category** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> **Total Exceptions** |
| &nbsp;&nbsp; Compliance | D | &nbsp;&nbsp; Missing, Incorrect, or Incomplete HUD-1 | 17 |
| &nbsp;&nbsp; Compliance | D | &nbsp;&nbsp; Missing, Incorrect, or Incomplete Note | 3 |
| &nbsp;&nbsp; Compliance | D | &nbsp;&nbsp; Incomplete File | 1 |
| &nbsp;&nbsp; Compliance | D | ***Total Compliance Grade (D) Exceptions:*** | ***21*** |
| &nbsp;&nbsp; Compliance | C | &nbsp;&nbsp; ATR/QM Defect | 233 |
| &nbsp;&nbsp; Compliance | C | &nbsp;&nbsp; TILA | 7 |
| &nbsp;&nbsp; Compliance | C | &nbsp;&nbsp; TRID Defect | 2 |
| &nbsp;&nbsp; Compliance | C | &nbsp;&nbsp; Compliance | 1 |
| &nbsp;&nbsp; Compliance | C | ***Total Compliance Grade (C) Exceptions:*** | ***243*** |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; TILA | 568 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; TRID Defect | 553 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; RESPA | 438 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; ECOA | 375 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; TIL-MDIA | 267 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; Safe Act | 218 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; ATR/QM Defect | 162 |
| &nbsp;&nbsp; Compliance | B | &nbsp;&nbsp; Missing, Incorrect, or Incomplete Final or Initial 1003 | 124 |

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| | |
|:---|:---|
| &nbsp;&nbsp; ATR/QM | 68 |
| &nbsp;&nbsp; Missing Application Date | 64 |
| &nbsp;&nbsp; TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 54 |
| &nbsp;&nbsp; FACTA | 53 |
| &nbsp;&nbsp; Missing, Incorrect, or Incomplete GFE | 36 |
| &nbsp;&nbsp; Missing Required Data | 17 |
| &nbsp;&nbsp; Missing Non-Required Data | 15 |
| &nbsp;&nbsp; Missing Disclosure | 12 |
| &nbsp;&nbsp; Missing Required Data (other than HUD-1 or Note) | 7 |
| &nbsp;&nbsp; TRID | 7 |
| &nbsp;&nbsp; Missing, Incorrect, or Incomplete Final TIL | 6 |
| &nbsp;&nbsp; LTV Test | 3 |
| &nbsp;&nbsp; Federal HPML | 2 |
| &nbsp;&nbsp; State Defect | 1 |
| &nbsp;&nbsp; GSE | 1 |
| &nbsp;&nbsp; Misc. State Level | 1 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ***Total Compliance Grade (B) Exceptions:*** | ***3052*** |
| **Total Compliance Exceptions:** | **3316** |

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| | | | |
|:---|:---|:---|:---|
| <br> **Exception Category** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br> **Total Exceptions** | &nbsp;&nbsp;&nbsp;&nbsp; <br> **Total Loans** | <br> **% of Loans** |
| &nbsp;&nbsp; ATR Related Exception<br> C | 200 | 56 | 8.54% |
| &nbsp;&nbsp; QM Related Exception<br> C | 143 | 55 | 8.38% |
| &nbsp;&nbsp; Missing or Incomplete Final HUD-1<br> D | 17 | 17 | 2.59% |
| &nbsp;&nbsp; TILA Defect (Loans are Seasoned beyond Three (3) Years)<br> C | 7 | 7 | 1.07% |
| &nbsp;&nbsp; Missing, Incorrect, or Incomplete Note<br> D | 3 | 3 | 0.46% |
| &nbsp;&nbsp; TRID Exception<br> C | 2 | 1 | 0.15% |
| &nbsp;&nbsp; Incomplete File<br> D | 1 | 1 | 0.15% |
| &nbsp;&nbsp; Compliance Defect (Incorrect Signature Date on the Closing<br> Disclosure)<br> C | 1 | 1 | 0.15% |

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| | | |
|:---|:---|:---|
| **ATR/QM Designation** | **Loan Count** | **% of Loans** |
| Non-QM | 267 | 40.70% |
| Exempt – Pre-date January 10, 2014 | 141 | 21.49% |
| QM – Safe Harbor | 126 | 19.21% |
| Exempt – Investor Loans | 65 | 9.91% |
| ATR - Fail | 31 | 4.73% |
| ATR - Risk | 26 | 3.96% |
| **Total** | **656** | **100.00%** |

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#### AMC Diligence, LLC (57 ATR Risk & Fail Loans)

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| | | |
|:---|:---|:---|
| **Exception Category** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Total Exceptions** | **Total Loans** |
| &nbsp;&nbsp; Income and/or Asset Documentation Missing from File<br> C | 58 | 25 |
| &nbsp;&nbsp; Originator ATR/QM Designation Mismatch<br> C | 56 | 56 |
| &nbsp;&nbsp; Employment Status or Verification Missing from File<br> C | 52 | 30 |
| &nbsp;&nbsp; Slight DTI Exception (<5 Percentage Points)<br> C | 25 | 17 |
| &nbsp;&nbsp; Excessive DTI due to Guideline Interpretation of the Qualifying Income<br> Documents & Calculations<br> C | 4 | 2 |
| &nbsp;&nbsp; Excessive DTI Exception (>5 Percentage Points but <10 Percentage<br> Points)<br> C | 2 | 1 |
| &nbsp;&nbsp; FICO Related Exception<br> C | 2 | 1 |
| &nbsp;&nbsp; Income Related Exception<br> C | 1 | 1 |
| &nbsp;&nbsp; Incomplete File<br> D | 1 | 1 |

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#### DATA INTEGRITY REVIEW RESULTS SUMMARY (656 Mortgage Loans)
AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The number of fields included and reviewed on a bid tape can vary by counterparty and by the time period of the transaction. The information provided below is based upon the relevant data capture and bid tape elements for a specific transaction, as may be unique for that transaction, within the reviews that occurred to the associated mortgage loans that are included in the securitization population. Some mortgage loans may have multiple data discrepancies.

The data for LTV, CLTV and DTI was taken directly from various documents in the mortgage loan files and was not recalculated for this review.

Please note that AMC did not track the number of fields that were checked on each mortgage loan for these data integrity elements as the data review was conducted during the acquisition of such assets and varied by transaction. AMC can confirm that not all fields would have been reviewed for all mortgage loans; however, mortgage loans within a similar transaction would have included a consistent data comparison for that transaction.

#### AMC Diligence, LLC (656 Mortgage Loans)
In total, data variances were found on 646 (98.48%) mortgage loans across 14 unique data fields in the AMCD sample.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; Label | Delta(s) | % of Loans |
| &nbsp;&nbsp; Note Date | 581 | 88.57% |
| &nbsp;&nbsp; Original P&I | 228 | 34.76% |
| &nbsp;&nbsp; Amortization Term | 165 | 25.15% |
| &nbsp;&nbsp; Property Type | 93 | 14.18% |
| &nbsp;&nbsp; Refi Purpose | 62 | 9.45% |
| &nbsp;&nbsp; Original Interest Rate | 40 | 6.10% |
| &nbsp;&nbsp; LTV Valuation Value | 36 | 5.49% |
| &nbsp;&nbsp; Original LTV | 27 | 4.12% |
| &nbsp;&nbsp; # of Units | 18 | 2.74% |
| &nbsp;&nbsp; Zip | 9 | 1.37% |
| &nbsp;&nbsp; Purpose | 3 | 0.46% |
| &nbsp;&nbsp; Balloon Flag | 2 | 0.30% |
| &nbsp;&nbsp; First Payment Date | 1 | 0.15% |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; Original Loan Amount | 1 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.15% |
| &nbsp;&nbsp; **Total** | **1266** |  |

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#### PAYMENT HISTORY REVIEW SUMMARY (656 Mortgage Loans)
Of the 656 mortgage loans subjected to the payment history review, all 656 (100%) mortgage loans had complete pay history strings. All 656 mortgage loans were reviewed with a cut-off date of March 31, 2023, and with a 24-month look back period. Of the mortgage loans reviewed, 632 (96.34%) mortgage loans did not show a delinquency within the look back period and had complete pay history strings. Of the mortgage loans reviewed, 24 (3.66%) mortgage loans did show a delinquency within the look back period and had complete pay history strings. As of the cut-off date, 654 (99.70%) mortgage loans were current, and 2 (0.30%) mortgage loans were delinquent.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Delinquency During Lookback** | **Loan Count** | **% of Loans** |
| &nbsp;&nbsp; No Delinquency, Full History | 632 | 96.34% |
| &nbsp;&nbsp; No Delinquency, Missing Data | 0 | 0.00% |
| &nbsp;&nbsp; Delinquency, Full History | 24 | 3.66% |
| &nbsp;&nbsp; Delinquency, Missing Data | 0 | 0.00% |
| &nbsp;&nbsp; **Total** | **656** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100.00% |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Lookback Period** | **Loan Count** | **% of Loans** |
| &nbsp;&nbsp; Twenty-Four (24) Months | 656 | 100.00% |
| &nbsp;&nbsp; **Total** | **656** | **100.00%** |

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#### ADDITIONAL SUMMARY (AMC Population – 656 Mortgage Loans)
*Some % of Loans may not add to 100% due to rounding*

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; <br> **Amortization Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Loan**<br> **Count** | **% of**<br> **Loans** |
| &nbsp;&nbsp; Fixed | 184 | 28.05% |
| &nbsp;&nbsp; Adjustable | 472 | 71.95% |
| &nbsp;&nbsp; **Total** | **656** | **100.00%** |
| &nbsp;&nbsp; <br> **Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Loan**<br> **Count** | **% of**<br> **Loans** |
| &nbsp;&nbsp; 1 | 656 | 100.00% |
| &nbsp;&nbsp; **Total** | **656** | **100.00%** |
| &nbsp;&nbsp; **Loan Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Loan**<br> **Count** | **% of**<br> **Loans** |
| &nbsp;&nbsp; Cash Out: Debt Consolidation | 53 | 8.08% |
| &nbsp;&nbsp; Cash Out: Home Improvement/Renovation | 26 | 3.96% |
| &nbsp;&nbsp; Cash Out: Other/Multi-purpose/Unknown Purpose | 145 | 22.10% |
| &nbsp;&nbsp; Limited Cash-Out | 2 | 0.30% |
| &nbsp;&nbsp; First Time Home Purchase | 53 | 8.08% |
| &nbsp;&nbsp; Other-than-first-time Home Purchase | 177 | 26.98% |
| &nbsp;&nbsp; Rate/Term Refinance - Lender Initiated | 1 | 0.15% |
| &nbsp;&nbsp; Rate/Term Refinance - Borrower Initiated | 195 | 29.73% |
| &nbsp;&nbsp; Unavailable | 4 | 0.61% |
| &nbsp;&nbsp; **Total** | **656** | **100.00%** |

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp; **Original Term** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Loan**<br> **Count** | **% of**<br> **Loans** |
| &nbsp;&nbsp; 0-120 Months | 1 | 0.15% |
| &nbsp;&nbsp; 121-180 Months | 19 | 2.90% |
| &nbsp;&nbsp; 181-240 Months | 1 | 0.15% |
| &nbsp;&nbsp; 241-360 Months | 537 | 81.86% |
| &nbsp;&nbsp; 361+ Months | 98 | 14.94% |
| &nbsp;&nbsp; **Total** | **656** | **100.00%** |
| &nbsp;&nbsp; <br> **Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Loan**<br> **Count** | **% of**<br> **Loans** |
| &nbsp;&nbsp; Single Family Detached | 383 | 58.38% |
| &nbsp;&nbsp; Condo, Low Rise | 75 | 11.43% |
| &nbsp;&nbsp; Condo, High Rise | 11 | 1.68% |
| &nbsp;&nbsp; PUD | 109 | 16.62% |
| &nbsp;&nbsp; Townhouse | 2 | 0.30% |
| &nbsp;&nbsp; Single-wide Manufactured Housing | 3 | 0.46% |
| &nbsp;&nbsp; 1 Family Attached | 4 | 0.61% |
| &nbsp;&nbsp; 2 Family | 30 | 4.57% |
| &nbsp;&nbsp; 3 Family | 11 | 1.68% |
| &nbsp;&nbsp; 4 Family | 11 | 1.68% |
| &nbsp;&nbsp; Unavailable | 17 | 2.59% |
| &nbsp;&nbsp; **Total** | **656** | **100.00%** |
| &nbsp;&nbsp; <br> **Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; **Loan**<br> **Count** | **% of**<br> **Loans** |
| &nbsp;&nbsp; Primary | 535 | 81.55% |
| &nbsp;&nbsp; Investment | 99 | 15.09% |
| &nbsp;&nbsp; Second Home | 21 | 3.20% |
| &nbsp;&nbsp; Unknown | 1 | 0.15% |
| &nbsp;&nbsp; **Total** | **656** | **100.00%** |

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## Exhibit 99.1

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Base/Upsize** | **LoanID** | **Seller Loan ID** | **Servicer Loan ID** | **City** | **State** | **Zip** | **Property Type** | **Number of Units** | **Occupancy** | **Valuation Value** | **Lien Position** | **Note Date** | **First Payment Date** | **Original Loan Amount** | **Original Interest Rate** | **Original P&I** | **Payment Frequency** | **Interest Collection Type** | **Purpose** |
| 6452449020 | Base | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452449524 | Base | XXX | XXX | XXX | XXX | NJ | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450823 | Base | XXX | XXX | XXX | XXX | SC | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2001 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | Daily Simple | Purchase |
| 6452451128 | Base | XXX | XXX | XXX | XXX | NC | XXX | Manufactured Housing | 1 | Primary | $XXX | 1 | 6/XX/2002 | XX/XX/XXXX | $XXX | XX.XX% |  | Monthly | Daily Simple | Construction-Permanent |
| 6452450691 | Base | XXX | XXX | XXX | XXX | DE | XXX | Condo (Low Rise) | 1 | Second Home | $XXX | 1 | 6/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449354 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450356 | Base | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2002 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450518 | Base | XXX | XXX | XXX | XXX | IL | XXX | PUD | 1 | Primary | $XXX | 1 | 5/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450004 | Base | XXX | XXX | XXX | XXX | OH | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449076 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 11/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452449307 | Base | XXX | XXX | XXX | XXX | IN | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449245 | Base | XXX | XXX | XXX | XXX | GA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 9/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452451092 | Base | XXX | XXX | XXX | XXX | WA | XXX | Single Family Detached | 1 | Primary |  | 1 | 8/XX/1997 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-UTD |
| 6452450636 | Base | XXX | XXX | XXX | XXX | NY | XXX | 3 Family | 3 | Primary | $XXX | 1 | 3/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450744 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449404 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449715 | Base | XXX | XXX | XXX | XXX | NJ | XXX | 2 Family | 2 | Primary | $XXX | 1 | 2/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452451075 | Base | XXX | XXX | XXX | XXX | TX | XXX | PUD | 1 | Primary |  | 1 | 8/XX/2001 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450745 | Base | XXX | XXX | XXX | XXX | MD | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449917 | Base | XXX | XXX | XXX | XXX | NJ | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450404 | Base | XXX | XXX | XXX | XXX | NJ | XXX | 2 Family | 2 | Primary | $XXX | 1 | 4/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449507 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449798 | Base | XXX | XXX | XXX | XXX | NY | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450533 | Base | XXX | XXX | XXX | XXX | NY | XXX | 3 Family | 3 | Primary | $XXX | 1 | 10/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450086 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449816 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449511 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Second Home | $XXX | 1 | 10/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450076 | Base | XXX | XXX | XXX | XXX | FL | XXX | PUD | 1 | Primary | $XXX | 1 | 3/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450919 | Base | XXX | XXX | XXX | XXX | KY | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449529 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452449745 | Base | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/1985 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449375 | Base | XXX | XXX | XXX | XXX | PA | XXX | Single Family Detached | 1 | Primary |  | 1 | 7/XX/2001 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452451178 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2003 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450582 | Base | XXX | XXX | XXX | XXX | KY | XXX | UTD | 1 | UTD |  | 1 | 7/XX/1984 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | UTD-UTD |
| 6452450466 | Base | XXX | XXX | XXX | XXX | NC | XXX | Raw Land/Other Non-Res Prop | 1 | Investment | $XXX | 1 | 11/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449385 | Base | XXX | XXX | XXX | XXX | FL | XXX | Raw Land/Other Non-Res Prop |  | Investment | $XXX | 1 | 6/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449407 | Base | XXX | XXX | XXX | XXX | GA | XXX | Raw Land/Other Non-Res Prop |  | Investment | $XXX | 1 | 7/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | Daily Simple | Purchase |
| 6452451150 | Base | XXX | XXX | XXX | XXX | CA | XXX | Raw Land/Other Non-Res Prop | 1 | Investment | $XXX | 1 | 5/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450685 | Base | XXX | XXX | XXX | XXX | NC | XXX | Raw Land/Other Non-Res Prop |  | Investment | $XXX | 1 | 6/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450534 | Base | XXX | XXX | XXX | XXX | TX | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2009 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450955 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2009 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | Daily Simple | Refinance-Rate/Term |
| 6452450825 | Base | XXX | XXX | XXX | XXX | NY | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 4/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449357 | Base | XXX | XXX | XXX | XXX | CT | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452449491 | Base | XXX | XXX | XXX | XXX | MS | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449578 | Base | XXX | XXX | XXX | XXX | NC | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/1998 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450841 | Base | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2003 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449793 | Base | XXX | XXX | XXX | XXX | FL | XXX | UTD |  | Primary |  | 1 | 12/XX/2003 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | UTD-UTD |
| 6452450923 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452449779 | Base | XXX | XXX | XXX | XXX | LA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449596 | Base | XXX | XXX | XXX | XXX | NJ | XXX | PUD | 1 | Primary | $XXX | 1 | 12/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449878 | Base | XXX | XXX | XXX | XXX | NY | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450410 | Base | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 3/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449518 | Base | XXX | XXX | XXX | XXX | LA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452450817 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449597 | Base | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450532 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450771 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450618 | Base | XXX | XXX | XXX | XXX | WA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450914 | Base | XXX | XXX | XXX | XXX | FL | XXX | PUD | 1 | Primary | $XXX | 1 | 8/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450821 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450397 | Base | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450875 | Base | XXX | XXX | XXX | XXX | CA | XXX | 2 Family | 2 | Primary | $XXX | 1 | 4/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452451186 | Base | XXX | XXX | XXX | XXX | CA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 4/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449316 | Base | XXX | XXX | XXX | XXX | FL | XXX | PUD | 1 | Primary | $XXX | 1 | 5/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450045 | Base | XXX | XXX | XXX | XXX | FL | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 7/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449120 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2008 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449644 | Base | XXX | XXX | XXX | XXX | NY | XXX | 2 Family | 2 | Primary | $XXX | 1 | 8/XX/2011 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450525 | Base | XXX | XXX | XXX | XXX | TX | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 2/XX/2012 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449226 | Base | XXX | XXX | XXX | XXX | IL | XXX | PUD | 1 | Primary | $XXX | 1 | 4/XX/2012 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449967 | Base | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2012 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450401 | Base | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2012 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449495 | Base | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2012 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450028 | Base | XXX | XXX | XXX | XXX | MD | XXX | PUD | 1 | Primary | $XXX | 1 | 3/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450321 | Base | XXX | XXX | XXX | XXX | NJ | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452451133 | Base | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2000 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450141 | Base | XXX | XXX | XXX | XXX | NC | XXX | Single Family Detached | 1 | Second Home | $XXX | 1 | 12/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449379 | Base | XXX | XXX | XXX | XXX | GA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450175 | Base | XXX | XXX | XXX | XXX | NY | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450777 | Base | XXX | XXX | XXX | XXX | NY | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450765 | Base | XXX | XXX | XXX | XXX | NY | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449555 | Base | XXX | XXX | XXX | XXX | CA | XXX | UTD |  | Primary | $XXX | 1 | 1/XX/2013 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450460 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2013 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449970 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 5/XX/2000 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449036 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2013 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450736 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2013 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450066 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2013 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450773 | Base | XXX | XXX | XXX | XXX | CA | XXX | UTD |  | Primary |  | 1 | 4/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | UTD-UTD |
| 6452451145 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2012 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449202 | Base | XXX | XXX | XXX | XXX | CA | XXX | Manufactured Housing | 1 | Primary | $XXX | 1 | 2/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450606 | Base | XXX | XXX | XXX | XXX | CA | XXX | UTD |  | Primary | $XXX | 1 | 4/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452449903 | Base | XXX | XXX | XXX | XXX | CA | XXX | UTD |  | Primary | $XXX | 1 | 12/XX/2013 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449935 | Base | XXX | XXX | XXX | XXX | WA | XXX | UTD |  | Investment |  | 1 | 2/XX/2009 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | Daily Simple Odd Amortized | Refinance-UTD |
| 6452449395 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450796 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450403 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449906 | Base | XXX | XXX | XXX | XXX | CA | XXX | Condo (Mid Rise) | 1 | Primary | $XXX | 1 | 12/XX/2015 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450901 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449853 | Base | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449204 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2014 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449501 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Limited Cash-out GSE |
| 6452451148 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449858 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Attached | 1 | Primary | $XXX | 1 | 8/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449392 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452451073 | Base | XXX | XXX | XXX | XXX | CA | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 12/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449262 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451249 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449658 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450225 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452449117 | Base | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 9/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449066 | Base | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 7/XX/2014 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450052 | Base | XXX | XXX | XXX | XXX | CA | XXX | 3 Family | 3 | Investment | $XXX | 1 | 2/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449837 | Base | XXX | XXX | XXX | XXX | WA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449482 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449452 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450055 | Base | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 12/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449128 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450783 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 3/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450988 | Base | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 7/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450934 | Base | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 7/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450424 | Base | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 11/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449605 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449002 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2015 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450402 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 8/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449872 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450365 | Base | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 11/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450835 | Base | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 3/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449619 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450705 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Home Improvement |
| 6452449266 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2015 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449295 | Base | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 9/XX/2014 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450887 | Base | XXX | XXX | XXX | XXX | CA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 11/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450728 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449634 | Base | XXX | XXX | XXX | XXX | CA | XXX | 4 Family | 4 | Investment | $XXX | 1 | 6/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451013 | Base | XXX | XXX | XXX | XXX | CA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 12/XX/2014 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452451059 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 1/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449945 | Base | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450488 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449610 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450434 | Base | XXX | XXX | XXX | XXX | MI | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 4/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449406 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 4/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450017 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450132 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450428 | Base | XXX | XXX | XXX | XXX | IL | XXX | PUD | 1 | Primary | $XXX | 1 | 11/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449313 | Base | XXX | XXX | XXX | XXX | MN | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450832 | Base | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450202 | Base | XXX | XXX | XXX | XXX | OH | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452451082 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Home Improvement |
| 6452450456 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 12/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452451142 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449697 | Base | XXX | XXX | XXX | XXX | IL | XXX | 2 Family | 2 | Investment | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449550 | Base | XXX | XXX | XXX | XXX | IL | XXX | 2 Family | 2 | Investment | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450514 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450781 | Base | XXX | XXX | XXX | XXX | MN | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 11/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450018 | Base | XXX | XXX | XXX | XXX | IL | XXX | PUD | 1 | Primary | $XXX | 1 | 2/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450280 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (Mid Rise) | 1 | Primary | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450960 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Attached | 1 | Primary | $XXX | 1 | 1/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449991 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449772 | Base | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450696 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (Mid Rise) | 1 | Primary | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450634 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450810 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (Mid Rise) | 1 | Primary | $XXX | 1 | 4/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450184 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450113 | Base | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452450118 | Base | XXX | XXX | XXX | XXX | MN | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449994 | Base | XXX | XXX | XXX | XXX | MI | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452449647 | Base | XXX | XXX | XXX | XXX | MI | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450936 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449905 | Base | XXX | XXX | XXX | XXX | MN | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449457 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450540 | Base | XXX | XXX | XXX | XXX | MN | XXX | PUD | 1 | Primary | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449770 | Base | XXX | XXX | XXX | XXX | MN | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 9/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450729 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Home Improvement |
| 6452449698 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452449997 | Base | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450476 | Base | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452450282 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Limited Cash-out GSE |
| 6452449116 | Base | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450746 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449152 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449573 | Base | XXX | XXX | XXX | XXX | IL | XXX | PUD Attached | 1 | Second Home | $XXX | 1 | 11/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450467 | Base | XXX | XXX | XXX | XXX | RI | XXX | Single Family Detached | 1 | Second Home | $XXX | 1 | 1/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452451213 | Base | XXX | XXX | XXX | XXX | CT | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 2/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449761 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449425 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 4/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449893 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 10/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449158 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 10/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450262 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Primary | $XXX | 1 | 8/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449344 | Base | XXX | XXX | XXX | XXX | CT | XXX | PUD | 1 | Primary | $XXX | 1 | 9/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450920 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450318 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 4/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450021 | Base | XXX | XXX | XXX | XXX | MA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 7/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451095 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 5/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449197 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450133 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 4/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450537 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 10/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449146 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 5/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450506 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 8/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449273 | Base | XXX | XXX | XXX | XXX | RI | XXX | 2 Family | 2 | Investment | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449579 | Base | XXX | XXX | XXX | XXX | RI | XXX | 3 Family | 3 | Investment | $XXX | 1 | 8/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452451044 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449175 | Base | XXX | XXX | XXX | XXX | CT | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 9/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449687 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (High Rise) | 1 | Investment | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449082 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 10/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450224 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Second Home | $XXX | 1 | 10/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449547 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449836 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 10/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449416 | Base | XXX | XXX | XXX | XXX | CT | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450864 | Base | XXX | XXX | XXX | XXX | RI | XXX | 2 Family | 2 | Investment | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449809 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450627 | Base | XXX | XXX | XXX | XXX | RI | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 2/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450406 | Base | XXX | XXX | XXX | XXX | MA | XXX | 3 Family | 3 | Investment | $XXX | 1 | 2/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449160 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450967 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450258 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450116 | Base | XXX | XXX | XXX | XXX | RI | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 5/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450040 | Base | XXX | XXX | XXX | XXX | MA | XXX | 3 Family | 3 | Investment | $XXX | 1 | 2/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449339 | Base | XXX | XXX | XXX | XXX | MA | XXX | 3 Family | 3 | Investment | $XXX | 1 | 2/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452451122 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Home Improvement |
| 6452451078 | Base | XXX | XXX | XXX | XXX | CT | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 4/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449094 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 4/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449355 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450369 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450873 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 5/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451204 | Base | XXX | XXX | XXX | XXX | CT | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449223 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 4/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449803 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449142 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451038 | Base | XXX | XXX | XXX | XXX | MA | XXX | 3 Family | 3 | Investment | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449826 | Base | XXX | XXX | XXX | XXX | MA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449028 | Base | XXX | XXX | XXX | XXX | MA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449723 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450169 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449289 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449662 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449988 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449250 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449037 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (High Rise) | 1 | Investment | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449040 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (High Rise) | 1 | Investment | $XXX | 1 | 11/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449890 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450874 | Base | XXX | XXX | XXX | XXX | CT | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 11/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450152 | Base | XXX | XXX | XXX | XXX | RI | XXX | 2 Family | 2 | Second Home | $XXX | 1 | 11/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450785 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 1/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450572 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 2/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450639 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 2/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451157 | Base | XXX | XXX | XXX | XXX | MA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 7/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450227 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 12/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450977 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450395 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Second Home | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450551 | Base | XXX | XXX | XXX | XXX | FL | XXX | PUD Attached | 1 | Second Home | $XXX | 1 | 2/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449127 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 4/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449740 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450850 | Base | XXX | XXX | XXX | XXX | IL | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 6/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450856 | Base | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449071 | Base | XXX | XXX | XXX | XXX | WI | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2024 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450828 | Base | XXX | XXX | XXX | XXX | CT | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449887 | Base | XXX | XXX | XXX | XXX | RI | XXX | PUD | 1 | Second Home | $XXX | 1 | 6/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450312 | Base | XXX | XXX | XXX | XXX | MA | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 1/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449253 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451055 | Base | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |

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| **Unique ID** | **Contract Sales Price** | **Doc Type** | **Original FICO** | **DTI** | **LTV** | **CLTV** | **Lease Hold** | **Simultaneous Second** | **Subordinate Lien Amount** | **Originator Name** | **Appr Date** | **Due On Demand** | **Income Verification Level** | **Income Type** | **Asset Verification Level** | **Asset Type** | **Employment** | **Loan Type** | **Remaining Scheduled Term** | **Remaining Amortization Term** | **Amortization Type** | **Maturity Date** | **Original Term** | **Amortization Term** | **Teaser** | **Index Type** | **Margin** | **ARM Reset Frequency (Payment)** | **ARM Reset Frequency (Rate)** | **ARM First Payment Change Date** | **ARM First Interest Rate Change Date** | **ARM Next Payment Change Date** | **ARM Next Interest Rate Change Date** | **ARM Initial Rate Cap** | **ARM Initial Rate Maximum** | **ARM Initial Rate Floor** | **ARM Initial Rate Minimum** | **ARM Periodic Rate Cap** | **ARM Periodic Rate Floor** | **ARM Life Rate Cap** | **ARM Life Rate Maximum** | **ARM Life Rate Floor** | **ARM Life Rate Minimum** | **Balloon** | **Interest Only** | **Interest Only Term** | **Interest Only Expiration Date** | **Neg Am** | **Max Balance Percent** | **Minimum Payment Calc** | **Payment Recast** | **Recast Date** | **Payment Adjustment Cap** | **Options at Recast** | **Interest Only to Recast** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Terms** | **Step 1 Date** | **Step 1 Rate** | **Step 2 Date** | **Step 2 Rate** | **Step 3 Date** | **Step 3 Rate** | **Step 4 Date** | **Step 4 Rate** | **Step 5 Date** | **Step 5 Rate** | **Step 6 Date** | **Step 6 Rate** | **Step 7 Date** | **Step 7 Rate** | **Step 8 Date** | **Step 8 Rate** | **PMI Coverage** | **PMI Company** | **MI Certificate #** | **MI Type** | **LPMI Fee** | **MI Status** | **Senior Lien Amount** |
| 6452449020 |  |  | 567 | 28.003% | 86.800% | 86.800% | No | No |  | XXX | 2/XX/2006 | Permissible |  |  |  |  |  |  | 243 | 243 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449524 |  |  | 588 | 38.894% | 90.000% | 90.000% | No | No |  | XXX | 9/XX/2005 | Permissible |  |  |  |  |  | Fixed Rate | 235 | 235 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 60 | 1% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450823 | $XXX | UTD |  |  | 100.000% | 100.000% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 3 | 3 | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451128 |  | UTD | 608 |  | 90.000% | 90.000% | No | No |  | XXX | 3/XX/2002 | Permissible |  |  |  |  |  | Misc. ARM (I/O) | 0 |  | ARM | XX/XX/XXXX | 5 |  |  | Prime | 2.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 4 | 10/XX/2002 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450691 |  | Full | 786 | 14.270% | 69.143% | 69.143% | No | No |  | XXX | 1/XX/2006 | Permissible |  |  |  |  |  | 3/1 or 3/6 Mos ARM (I/O) | 230 | 230 | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2009 | 7/XX/2009 | 8/XX/2017 | 7/XX/2017 | 2.000% | 8.000% | 2.000% | 4.000% | 2.000% | 2.000% | 6.000% | 12.000% | 3.250% | 2.750% | No | Yes | 60 | 7/XX/2011 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449354 |  | Full | 612 | 43.730% | 80.000% | 80.000% | No | No |  | XXX | 3/XX/2006 | Permissible |  |  |  |  |  | Negative Amortization | 229 | 229 | ARM | XX/XX/XXXX | 360 | 360 |  | GDW-COSI | 3.400% | 12 | 1 | 6/XX/2007 | 6/XX/2006 | 6/XX/2017 | 4/XX/2017 | 5.090% | 11.950% | 3.460% | 3.400% |  |  | 5.090% | 11.950% | 3.460% | 3.400% | No | No |  |  | Yes | 125.000% |  | 60 | 6/XX/2016 | 7.500% | Fully amortizing 30 year | No | Yes | 36 | 2% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450356 |  | Full | 615 | 44.200% | 95.000% | 95.000% | No | No |  | XXX | 3/XX/2002 | Permissible |  |  |  |  |  | Fixed Rate | 179 | 179 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 36 | 2%, 2%, 2% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | ` |  |  |  |  |  |
| 6452450518 |  | Stated | 580 | 38.850% | 76.098% | 76.098% | No | No |  | XXX | 4/XX/2007 | Permissible |  |  |  |  |  | 2/1 or 2/6 Mos ARM | 239 | 359 | ARM | XX/XX/XXXX | 360 | 480 |  | LIBOR - 6 Month (Daily) | 5.400% | 6 | 6 | 7/XX/2009 | 6/XX/2009 | 1/XX/2018 | 12/XX/2017 | 3.000% | 13.200% |  | 10.200% | 1.000% | 1.000% | 6.000% | 16.200% |  | 10.200% | Yes | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450004 | $XXX | Full |  |  | 100.000% | 100.000% | No | No |  | XXX | 9/XX/2005 | Permissible |  |  |  |  |  | Fixed Rate | 220 | 220 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449076 |  | No Ratio | 660 |  | 70.000% | 70.000% | No | No |  | XXX | 10/XX/2006 | Permissible |  |  |  |  |  | 3/1 or 3/6 Mos ARM | 234 | 234 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.750% | 12 | 12 | 1/XX/2010 | 12/XX/2009 | 1/XX/2018 | 12/XX/2017 | 2.000% | 9.125% | 2.000% | 5.125% | 2.000% | 2.000% | 6.000% | 13.125% | 4.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449307 |  | Full | 703 | 34.021% | 90.857% | 90.857% | No | No |  | XXX | 9/XX/2005 | Permissible |  |  |  |  |  | Fixed Rate | 211 | 211 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 36 | 6 Months Interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449245 |  | Full | 619 | 43.070% | 80.000% | 80.000% | No | No |  | XXX | 8/XX/2006 | Permissible |  |  |  |  |  | Fixed Rate | 222 | 222 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451092 |  | UTD |  |  |  |  | No | No |  | XXX |  | Impermissible |  |  |  |  |  | 5/1 or 5/6 Mos ARM | 112 | 112 | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.875% | 12 | 12 | 10/XX/2002 | 9/XX/2002 | 10/XX/2018 | 9/XX/2018 | 3.250% | 10.750% | 4.625% | 2.875% | 2.000% | 2.000% | 3.250% | 10.750% | 4.625% | 2.875% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450636 |  | Full | 676 | 39.000% | 80.000% | 80.000% | No | No |  | XXX | 2/XX/2004 | Permissible |  |  |  |  |  | Fixed Rate | 191 | 191 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450744 |  | Full | 627 | 44.269% | 57.949% | 57.949% | No | No |  | XXX | 11/XX/2006 | Permissible |  |  |  |  |  | Balloon Other | 224 | 344 | Fixed | XX/XX/XXXX | 360 | 480 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449404 |  | Full |  | 42.000% | 77.500% | 77.500% | No | No |  | XXX | 11/XX/2006 | Permissible |  |  |  |  |  | 5/6 Mos ARM (I/O) | 218 | 218 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 6 Month (Daily) | 2.750% | 6 | 6 | 2/XX/2012 | 1/XX/2012 | 2/XX/2019 | 1/XX/2019 | 5.000% | 11.375% | 3.625% | 2.750% | 1.000% | 1.000% | 6.000% | 12.375% | 3.625% | 2.750% | No | Yes | 120 | 1/XX/2017 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449715 |  | UTD | 677 | 57.000% | 70.455% | 70.455% | No | No |  | XXX | 1/XX/2006 | Permissible |  |  |  |  |  | Fixed Rate | 207 | 207 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451075 | $XXX | UTD |  |  | 90.492% | 103.001% | No | Yes | $9500.00 | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 154 | 154 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450745 | $XXX | UTD | 761 | 43.010% | 102.941% | 102.941% | No | No |  | XXX | 9/XX/2007 | Permissible |  |  |  |  |  | Fixed Rate | 228 | 228 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449917 | $XXX | UTD | 658 |  | 95.775% | 95.775% | No | No |  | XXX | 5/XX/2007 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate I/O |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 120 | 7/XX/2017 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450404 |  | Reduced | 703 | 37.370% | 76.882% | 76.882% | No | No |  | XXX | 3/XX/2007 | Permissible | Stated |  | Verified | VOD | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449507 |  | Full | 630 | 34.580% | 93.485% | 93.485% | No | No |  | XXX | 4/XX/2007 | Permissible | Verified | Paystubs/W-2 | No |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX |  | Lender Paid |  |  |  |
| 6452449798 |  | Reduced | 625 | 43.800% | 55.286% | 55.286% | No | No |  | XXX | 7/XX/2007 | Permissible | Stated |  | Verified | Investment Account Statements | Yes | Fixed Rate I/O |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 120 | 8/XX/2017 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450533 |  | UTD | 702 | 31.719% | 71.250% | 71.250% | No | No |  | XXX | 10/XX/2004 | Permissible | Verified | Paystubs/W-2 | No |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450086 |  | FastEasy | 702 | 33.460% | 65.000% | 69.762% | No | Yes | $20000.00 | XXX | 10/XX/2005 | Permissible | Stated |  | Stated |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449816 |  | Full | 665 | 43.940% | 90.000% | 90.000% | No | No |  | XXX | 4/XX/2006 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Lender Paid |  |  |  |
| 6452449511 | $XXX | Reduced | 657 | 45.000% | 80.000% | 90.000% | No | Yes | $38000.00 | XXX | 9/XX/2006 | Permissible | Stated |  | Verified | VOD | Yes | 5/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 12/XX/2011 | 11/XX/2011 | 12/XX/2018 | 11/XX/2018 | 5.000% | 12.125% | 4.875% | 2.250% | 2.000% | 2.000% | 5.000% | 12.125% | 4.875% | 2.250% | No | Yes | 120 | 11/XX/2016 | No |  |  |  |  |  |  |  | Yes | 36 | 6 Months Interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450076 | $XXX | No Ratio | 700 |  | 94.986% | 94.986% | No | No |  | XXX | 12/XX/2004 | Permissible | No |  | Stated |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450919 | $XXX | Alt | 752 | 24.170% | 80.000% | 99.999% | No | Yes | $33024.00 | XXX | 1/XX/2007 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | 3/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 3/XX/2010 | 2/XX/2010 | 3/XX/2019 | 2/XX/2019 | 2.000% | 6.875% | 2.000% | 2.875% | 2.000% | 2.000% | 6.000% | 10.875% | 2.625% | 2.250% | No | Yes | 36 | 2/XX/2010 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449529 |  | No Ratio | 653 |  | 61.070% | 61.070% | No | No |  | XXX | 2/XX/2007 | Permissible | No |  | No |  | Yes | 5/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 5/XX/2012 | 4/XX/2012 | 5/XX/2019 | 4/XX/2019 | 5.000% | 10.875% | 3.625% | 2.250% | 2.000% | 2.000% | 5.000% | 10.875% | 3.625% | 2.250% | No | Yes | 120 | 4/XX/2017 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449745 |  | Full |  | 23.000% | 60.156% | 60.156% | No | No |  | XXX | 6/XX/1985 | Permissible | Verified | WVOE w/Income | Verified | VOD | Yes | Misc. ARM |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.875% | 12 | 12 | 10/XX/1986 | 9/XX/1986 |  |  | 1.000% | 10.500% | 1.000% | 8.500% | 1.000% | 1.000% | 5.000% | 14.500% | 6.625% | 2.875% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449375 |  | UTD |  |  |  |  | No | No |  | XXX |  | Permissible | No |  | No |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 300 | 300 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 36 | 5% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451178 |  | Fastrack | 745 | 44.660% | 67.739% | 80.000% | No | Yes | $43650.00 | XXX |  | Permissible | Stated |  | Stated |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450582 |  | UTD |  |  |  |  | No | No |  | XXX |  | Permissible | No |  | No |  |  | Negative Amortization |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.875% | 12 | 12 | 9/XX/1985 | 8/XX/1985 |  |  | 2.000% | 11.875% | 7.000% | 2.875% |  |  | 2.000% | 11.875% | 7.000% | 2.875% | No | No |  |  | Yes | 125.000% |  | 60 | 9/XX/1989 | 7.500% | Fully amortizing 30 year | No | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450466 | $XXX | Full | 642 | 12.020% | 95.000% | 95.000% | No | No |  | XXX | 11/XX/2005 | Permissible |  |  |  |  |  | 5/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 1/XX/2011 | 12/XX/2010 | 1/XX/2020 | 12/XX/2019 | 5.000% | 11.625% | 4.375% | 2.250% | 2.000% | 2.000% | 5.000% | 11.625% | 4.375% | 2.250% | No | Yes | 60 | 12/XX/2010 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449385 | $XXX | UTD | 688 | 32.780% | 90.000% | 90.000% | No | No |  | XXX | 6/XX/2005 | Permissible |  |  |  |  |  | 5/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 8/XX/2010 | 7/XX/2010 | 8/XX/2019 | 7/XX/2019 | 5.000% | 11.125% | 3.875% | 2.250% | 2.000% | 2.000% | 5.000% | 11.125% | 3.875% | 2.250% | No | Yes | 60 | 7/XX/2010 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449407 | $XXX | UTD |  |  | 90.000% | 90.000% | No | No |  | XXX | 6/XX/2006 | Permissible |  |  |  |  |  | 5/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 9/XX/2011 | 8/XX/2011 | 9/XX/2019 | 8/XX/2019 | 5.000% | 12.375% | 5.000% | 2.375% | 2.000% | 2.000% | 5.000% | 12.375% | 5.125% | 2.250% | No | Yes | 60 | 8/XX/2011 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451150 |  | UTD |  |  | 89.820% | 89.820% | No | No |  | XXX | 5/XX/2004 | Permissible |  |  |  |  |  | 5/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 7/XX/2009 | 6/XX/2009 | 7/XX/2019 | 6/XX/2019 | 5.000% | 11.625% | 4.375% | 2.250% | 2.000% | 2.000% | 5.000% | 11.625% | 4.375% | 2.250% | No | Yes | 60 | 6/XX/2009 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450685 | $XXX | Full | 797 | 16.590% | 95.000% | 95.000% | No | No |  | XXX | 6/XX/2007 | Permissible |  |  |  |  |  | 5/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 8/XX/2012 | 7/XX/2012 | 8/XX/2020 | 7/XX/2020 | 5.000% | 11.875% | 4.625% | 2.250% | 2.000% | 2.000% | 5.000% | 11.875% | 4.625% | 2.250% | No | Yes | 60 | 7/XX/2012 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450534 |  | UTD | 601 |  | 79.981% | 79.981% | No | No |  | XXX | 8/XX/2009 | Permissible |  |  |  |  |  | Fixed Rate | 235 | 235 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450955 |  | UTD |  | 46.970% | 58.108% | 58.108% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 231 | 231 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 36 | Lesser of 3%, 2%, 1% or 6 months interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450825 |  | Full | 770 | 8.550% | 71.935% | 71.935% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Misc. ARM (I/O) | 171 | 171 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 6 Month (Daily) | 1.750% | 6 | 6 | 12/XX/2004 | 11/XX/2004 | 6/XX/2020 | 5/XX/2020 | 2.000% | 5.000% | 1.250% | 1.750% | 2.000% | 2.000% | 6.000% | 9.000% | 1.250% | 1.750% | No | Yes | 120 | 5/XX/2014 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449357 |  | Full | 552 | 33.546% | 80.000% | 80.000% | No | No |  | XXX | 2/XX/2005 | Permissible |  |  |  |  |  | 2/6 Mos ARM | 177 | 177 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 6 Month (Daily) | 8.500% | 6 | 6 | 6/XX/2007 | 5/XX/2007 | 12/XX/2020 | 11/XX/2020 | 3.000% | 12.500% |  | 9.500% | 1.500% | 1.500% | 7.000% | 16.500% | 1.000% | 8.500% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449491 |  | Full | 599 | 47.000% | 90.000% | 90.000% | No | No |  | XXX | 7/XX/2005 | Permissible |  |  |  |  |  | 2/6 Mos ARM | 183 | 183 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 6 Month (Daily) | 6.950% | 6 | 6 | 12/XX/2007 | 11/XX/2007 | 12/XX/2020 | 11/XX/2020 | 2.000% | 9.950% |  | 7.950% | 1.000% | 1.000% | 6.000% | 13.950% |  | 7.950% | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 24 | 5%, 4% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449578 | $XXX | Fastrack | 619 | 27.240% | 87.879% | 87.879% | No | No |  | XXX | 7/XX/1998 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450841 | $XXX | Full | 706 | 44.660% | 90.000% | 90.000% | No | No |  | XXX | 2/XX/2003 | Permissible | Verified | WVOE w/Income | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Lender Paid |  |  |  |
| 6452449793 |  | UTD |  |  |  |  | No | No |  | XXX |  | Permissible | No |  | No |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450923 |  | Full | 709 | 42.000% | 74.405% | 74.405% | No | No |  | XXX | 2/XX/2004 | Permissible | Verified | Paystubs/W-2 | No |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449779 |  | Full | 635 | 24.587% | 90.000% | 90.000% | No | No |  | XXX | 5/XX/2003 | Permissible | Verified | Paystubs/W-2 | No |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449596 | $XXX | Full | 625 | 61.590% | 94.981% | 94.981% | No | No |  | XXX | 12/XX/2004 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449878 |  | Reduced | 702 | 35.000% | 70.000% | 70.000% | No | No |  | XXX | 11/XX/2004 | Permissible | Stated |  | Stated |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450410 | $XXX | Alt | 735 | 38.920% | 80.000% | 95.000% | No | Yes | $49950.00 | XXX | 3/XX/2005 | Permissible | Stated |  | Stated |  | Yes | 7/1 ARM |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 5/XX/2012 | 4/XX/2012 | 5/XX/2020 | 4/XX/2020 | 5.000% | 10.125% | 2.875% | 2.250% | 2.000% | 2.000% | 5.000% | 10.125% | 2.875% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449518 | $XXX | UTD |  |  | 69.841% | 69.841% | No | No |  | XXX | 4/XX/2004 | Permissible | No |  | No |  |  | 7/1 ARM |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 7/XX/2012 | 6/XX/2012 | 7/XX/2020 | 6/XX/2020 | 5.000% | 10.750% | 3.250% | 2.500% | 2.000% | 2.000% | 5.000% | 10.750% | 3.250% | 2.500% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450817 |  | Full | 720 | 31.470% | 61.479% | 61.479% | No | No |  | XXX | 9/XX/2005 | Permissible | Stated |  | Verified | VOD | Yes | 10/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 12/XX/2015 | 11/XX/2015 | 12/XX/2019 | 11/XX/2019 | 5.000% | 10.250% | 3.000% | 2.250% | 2.000% | 2.000% | 5.000% | 10.250% | 3.000% | 2.250% | No | Yes | 120 | 11/XX/2015 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449597 |  | UTD | 747 | 40.105% | 79.900% | 79.900% | No | No |  | XXX | 10/XX/2005 | Permissible | No |  | No |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450532 |  | No Doc | 732 |  | 68.182% | 68.182% | No | No |  | XXX | 2/XX/2006 | Permissible | No |  | No |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450771 | $XXX | Full | 765 | 37.800% | 73.158% | 73.158% | No | No |  | XXX | 3/XX/2006 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | 10/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.150% | 12 | 12 | 5/XX/2016 | 4/XX/2016 | 5/XX/2020 | 4/XX/2020 | 5.000% | 11.150% | 4.000% | 2.150% | 2.000% | 2.000% | 5.000% | 11.150% | 4.000% | 2.150% | No | Yes | 120 | 4/XX/2016 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450618 | $XXX | UTD |  |  | 80.000% | 95.000% | No | Yes | $43492.50 | XXX | 5/XX/2006 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450914 |  | Reduced | 738 | 26.860% | 80.000% | 80.000% | No | No |  | XXX | 8/XX/2006 | Permissible | Stated |  | Stated |  | Yes | 7/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 10/XX/2013 | 9/XX/2013 | 10/XX/2019 | 9/XX/2020 | 5.000% | 11.750% | 4.250% | 2.500% | 2.000% | 2.000% | 5.000% | 11.750% | 4.250% | 2.500% | No | Yes | 84 | 9/XX/2013 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450821 |  | Full | 721 | 42.620% | 49.587% | 59.521% | No | Yes | $60100.00 | XXX | 11/XX/2006 | Permissible | Verified | Paystubs/W-2 | Verified | Gift Letter | Yes | Fixed Rate I/O |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 120 | 1/XX/2017 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450397 | $XXX | Stated | 694 | 37.551% | 75.000% | 75.000% | No | No |  | XXX | 2/XX/2007 | Permissible | Stated |  | Stated |  |  | Balloon Other |  |  | Fixed | XX/XX/XXXX | 360 | 480 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  | No |  |  |  |  |  |  |  | Yes | 24 | 6 Months Interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450875 |  | Reduced | 764 | 41.471% | 69.350% | 69.350% | No | No |  | XXX | 3/XX/2007 | Permissible | Stated |  | Stated |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451186 |  | Alt | 702 | 49.018% | 61.867% | 61.867% | No | No |  | XXX | 3/XX/2007 | Permissible | Stated |  | Stated |  | Yes | Fixed Rate I/O |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 120 | 5/XX/2017 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449316 |  | Full | 647 | 54.760% | 85.660% | 85.660% | No | No |  | XXX | 4/XX/2007 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450045 | $XXX | Full |  | 32.000% | 95.000% | 95.000% | No | No |  | XXX | 6/XX/2007 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate I/O |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 120 | 8/XX/2017 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449120 |  | Full | 736 | 46.950% | 77.222% | 77.222% | No | No |  | XXX | 2/XX/2008 | Permissible | Stated |  | Stated |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449644 |  | SISA | 603 | 85.927% | 109.303% | 109.303% | No | No |  | XXX | 7/XX/2011 | Permissible | Stated |  | Stated |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450525 |  | UTD | 650 | 48.480% | 147.846% | 147.846% | No | No |  | XXX | 11/XX/2011 | Permissible | No |  | No |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449226 |  | UTD | 722 | 49.921% | 141.913% | 141.913% | No | No |  | XXX |  | Permissible | Stated |  | Stated |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449967 |  | UTD | 653 | 63.740% | 110.232% | 110.232% | No | No |  | XXX |  | Permissible | Stated |  | No |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Lender Paid |  |  |  |
| 6452450401 |  | SISA | 751 | 65.560% | 163.053% | 163.053% | No | No |  | XXX |  | Permissible | Stated |  | Stated |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 240 | 240 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449495 |  | Alt | 677 | 39.020% | 127.496% | 127.496% | No | No |  | XXX |  | Permissible | Stated |  | Stated |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450028 | $XXX | UTD | 673 | 34.141% | 70.000% | 100.000% | No | Yes | $189891.00 | XXX | 3/XX/2006 | Permissible |  |  |  |  |  | 5/1 or 5/6 Mos ARM (I/O) | 222 | 222 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.750% | 12 | 12 | 5/XX/2011 | 4/XX/2011 | 5/XX/2017 | 4/XX/2017 | 6.000% | 12.875% | 4.125% | 2.750% | 2.000% | 2.000% | 6.000% | 12.875% | 4.125% | 2.750% | No | Yes | 120 | 4/XX/2016 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450321 |  | UTD | 650 | 27.127% | 75.000% | 75.000% | No | No |  | XXX | 11/XX/2005 | Permissible |  |  |  |  |  | 3/1 or 3/6 Mos ARM | 219 | 219 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.750% | 12 | 12 | 2/XX/2009 | 1/XX/2009 | 2/XX/2018 | 1/XX/2018 | 2.000% | 9.875% | 2.000% | 5.875% | 2.000% | 2.000% | 6.375% | 14.250% | 5.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451133 | $XXX | Full | 757 | 40.622% | 94.500% | 94.500% | No | No |  | XXX | 3/XX/2000 | Permissible |  |  |  |  |  | 5/1 or 5/6 Mos ARM | 150 | 150 | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 5/XX/2005 | 4/XX/2005 | 5/XX/2017 | 4/XX/2017 | 6.000% | 12.625% | 3.875% | 2.750% | 2.000% | 2.000% | 6.000% | 12.625% | 3.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 60 | 2%, 2%, 2%, 2%, 2% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  | Borrower Paid |  |  |  |
| 6452450141 |  | Full | 738 | 42.850% | 47.217% | 47.217% | No | No |  | XXX | 11/XX/2004 | Permissible |  |  |  |  |  | 5/1 or 5/6 Mos ARM | 207 | 207 | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 2/XX/2010 | 1/XX/2010 | 2/XX/2018 | 1/XX/2018 | 6.000% | 10.875% | 1.875% | 3.000% | 2.000% | 2.000% | 6.000% | 10.875% | 1.875% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449379 |  | Full | 638 | 36.609% | 51.667% | 51.667% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 167 | 167 | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450175 |  | Full | 726 | 20.768% | 61.064% | 61.064% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 169 | 169 | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450777 |  | Full | 769 | 30.812% | 70.500% | 70.500% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 228 | 228 | Fixed | XX/XX/XXXX | 240 | 240 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450765 |  | Full | 812 | 40.046% | 24.286% | 24.286% | No | No |  | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | 7/6 Adjustable Rate | 350 | 350 | ARM | XX/XX/XXXX | 360 | 360 |  | SOFR 30 Day Average | 2.750% | 6 | 6 | 1/XX/2029 | 12/XX/2028 | 1/XX/2029 | 12/XX/2028 | 5.000% | 7.750% |  | 2.750% |  |  | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449555 |  | UTD |  |  | 77.952% | 77.952% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450460 |  | Alt | 778 | 37.015% | 22.316% | 22.316% | No | No |  | XXX | 2/XX/2013 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449970 | $XXX | UTD | 632 | 39.000% | 70.000% | 70.000% | No | No |  | XXX | 4/XX/2000 | Permissible |  |  |  |  |  | 3/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2003 | 6/XX/2003 | 7/XX/2023 | 6/XX/2023 | 2.000% | 9.750% | 2.000% | 5.750% | 2.000% | 2.000% | 6.000% | 13.750% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449036 | $XXX | UTD | 809 | 34.814% | 80.000% | 80.000% | No | No |  | XXX | 7/XX/2013 | Permissible |  |  |  |  |  | 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 10/XX/2018 | 9/XX/2018 | 10/XX/2023 | 9/XX/2023 | 2.000% | 5.375% | 0.875% | 2.500% | 2.000% | 2.000% | 6.000% | 9.375% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450736 | $XXX | UTD | 762 | 39.228% | 80.000% | 80.000% | No | No |  | XXX | 4/XX/2013 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 6/XX/2023 | 5/XX/2023 | 6/XX/2023 | 5/XX/2023 | 2.000% | 5.750% | 1.250% | 2.500% | 2.000% | 2.000% | 6.000% | 9.750% |  |  | No | Yes | 120 | 5/XX/2023 | No |  |  |  |  |  |  |  | Yes | 12 | 1% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450066 |  | Full | 691 | 47.658% | 42.810% | 42.810% | No | No |  | XXX | 5/XX/2013 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 7/XX/2020 | 6/XX/2020 | 7/XX/2023 | 6/XX/2023 | 2.000% | 5.625% | 1.125% | 2.500% | 2.000% | 2.000% | 6.000% | 9.625% |  |  | No | Yes | 84 | 6/XX/2020 | No |  |  |  |  |  |  |  | Yes | 12 | 1% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450773 |  | UTD |  |  |  |  | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451145 | $XXX | Full | 691 | 43.651% | 68.846% | 97.692% | No | Yes | $75000.00 | XXX | 11/XX/2012 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449202 |  | SIVA | 747 | 37.140% | 59.083% | 59.083% | No | No |  | XXX | 1/XX/2006 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450606 |  | Full | 754 | 37.805% | 57.312% | 57.312% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449903 |  | Full | 692 | 32.830% | 83.333% | 83.333% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449935 |  | UTD |  |  |  |  | No | No |  | XXX |  | Permissible |  |  |  |  |  | Year 3 Balloon Payment, Fixed Rate |  |  | Fixed | XX/XX/XXXX | 36 | 240 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449395 |  | Full | 805 | 26.308% | 60.000% | 60.000% | No | No |  | XXX | 5/XX/2016 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 7/XX/2026 | 6/XX/2026 | 7/XX/2026 | 6/XX/2026 | 2.000% | 5.875% | 1.375% | 2.500% | 2.000% | 2.000% | 6.000% | 9.875% | 1.375% | 2.500% | No | Yes | 120 | 6/XX/2026 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450796 |  | Full | 724 | 34.799% | 73.930% | 73.930% | No | No |  | XXX | 4/XX/2018 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 7/XX/2025 | 6/XX/2025 | 7/XX/2025 | 6/XX/2025 | 2.000% | 6.000% | 1.750% | 2.250% | 2.000% | 2.000% | 6.000% | 10.000% | 1.750% | 2.250% | No | Yes | 84 | 6/XX/2025 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450403 |  | Reduced | 715 | 37.102% | 39.300% | 39.300% | No | No |  | XXX | 8/XX/2019 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 11/XX/2029 | 10/XX/2029 | 11/XX/2029 | 10/XX/2029 | 2.000% | 6.250% | 2.000% | 2.250% | 2.000% | 2.000% | 6.000% | 10.250% | 2.000% | 2.250% | No | Yes | 120 | 10/XX/2029 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449906 |  | Full | 749 | 39.958% | 57.447% | 57.447% | No | No |  | XXX | 11/XX/2015 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 2/XX/2023 | 1/XX/2023 | 2/XX/2024 | 1/XX/2024 | 2.000% | 5.125% | 0.625% | 2.500% | 2.000% | 2.000% | 6.000% | 9.125% | 0.625% | 2.500% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450901 | $XXX | Full | 724 | 36.173% | 75.000% | 83.571% | No | Yes | $150000.00 | XXX | 7/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 10/XX/2027 | 9/XX/2027 | 10/XX/2027 | 9/XX/2027 | 2.000% | 5.375% | 1.125% | 2.250% | 2.000% | 2.000% | 6.000% | 9.375% | 1.125% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449853 |  | Full | 799 | 28.532% | 77.830% | 77.830% | No | No |  | XXX | 9/XX/2017 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449204 |  | Full | 780 | 29.990% | 80.000% | 80.000% | No | No |  | XXX | 8/XX/2014 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449501 |  | Full | 806 | 25.976% | 48.246% | 48.246% | No | No |  | XXX | 5/XX/2016 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451148 |  | Full | 751 | 30.976% | 48.740% | 55.462% | No | Yes | $200000.00 | XXX | 9/XX/2016 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 12/XX/2023 | 11/XX/2023 | 12/XX/2023 | 11/XX/2023 | 2.000% | 5.375% | 0.875% | 2.500% | 2.000% | 2.000% | 6.000% | 9.375% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449858 | $XXX | Full | 703 | 29.940% | 80.000% | 89.879% | No | Yes | $163000.00 | XXX | 8/XX/2019 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 10/XX/2026 | 9/XX/2026 | 10/XX/2026 | 9/XX/2026 | 2.000% | 5.750% | 1.500% | 2.250% | 2.000% | 2.000% | 6.000% | 9.750% | 1.500% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449392 |  | Full | 709 | 40.902% | 35.294% | 35.294% | No | No |  | XXX | 6/XX/2019 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 9/XX/2026 | 8/XX/2026 | 9/XX/2026 | 8/XX/2026 | 2.000% | 5.625% | 1.375% | 2.250% | 2.000% | 2.000% | 6.000% | 9.625% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451073 | $XXX | Full | 715 | 41.170% | 78.853% | 78.853% | No | No |  | XXX | 11/XX/2016 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 2/XX/2027 | 1/XX/2027 | 2/XX/2027 | 1/XX/2027 | 2.000% | 5.375% | 0.875% | 2.500% | 2.000% | 2.000% | 6.000% | 9.375% | 0.875% | 2.500% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449262 | $XXX | Full | 744 | 34.956% | 80.000% | 80.000% | No | No |  | XXX | 3/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451249 | $XXX | Full | 787 | 38.987% | 80.000% | 80.000% | No | No |  | XXX | 5/XX/2016 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 8/XX/2023 | 7/XX/2023 | 8/XX/2023 | 7/XX/2023 | 2.000% | 4.875% | 0.375% | 2.500% | 2.000% | 2.000% | 6.000% | 8.875% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449658 | $XXX | Full | 764 | 41.974% | 80.000% | 80.000% | No | No |  | XXX | 4/XX/2019 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 6/XX/2026 | 5/XX/2026 | 6/XX/2026 | 5/XX/2026 | 2.000% | 5.500% | 1.250% | 2.250% | 2.000% | 2.000% | 6.000% | 9.500% | 1.250% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450225 |  | Full | 751 | 44.475% | 19.792% | 19.792% | No | No |  | XXX | 12/XX/2018 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 3/XX/2029 | 2/XX/2029 | 3/XX/2029 | 2/XX/2029 | 2.000% | 6.000% | 1.750% | 2.250% | 2.000% | 2.000% | 6.000% | 10.000% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449117 | $XXX | Full | 672 | 17.582% | 66.667% | 66.667% | No | No |  | XXX | 9/XX/2020 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449066 |  | Full | 771 | 43.358% | 54.054% | 54.054% | No | No |  | XXX | 6/XX/2014 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450052 |  | Full | 780 | 47.027% | 59.524% | 59.524% | No | No |  | XXX | 11/XX/2016 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 4/XX/2024 | 3/XX/2024 | 4/XX/2024 | 3/XX/2024 | 2.000% | 5.875% | 1.375% | 2.500% | 2.000% | 2.000% | 6.000% | 9.875% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449837 | $XXX | Full | 791 | 43.175% | 80.000% | 80.000% | No | No |  | XXX | 4/XX/2017 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 6/XX/2024 | 5/XX/2024 | 6/XX/2024 | 5/XX/2024 | 2.000% | 5.500% | 1.250% | 2.250% | 2.000% | 2.000% | 6.000% | 9.500% | 1.250% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449482 |  | Full | 698 | 39.968% | 64.356% | 64.356% | No | No |  | XXX | 3/XX/2019 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 6/XX/2026 | 5/XX/2026 | 6/XX/2026 | 5/XX/2026 | 2.000% | 6.000% | 1.750% | 2.250% | 2.000% | 2.000% | 6.000% | 10.000% | 1.750% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449452 | $XXX | Full | 737 | 14.114% | 80.000% | 80.000% | No | No |  | XXX | 6/XX/2017 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450055 | $XXX | Full | 755 | 46.757% | 80.000% | 80.000% | No | No |  | XXX | 11/XX/2016 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 2/XX/2027 | 1/XX/2027 | 2/XX/2027 | 1/XX/2027 | 2.000% | 5.125% | 0.625% | 2.500% | 2.000% | 2.000% | 6.000% | 9.125% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449128 |  | Full | 687 | 42.528% | 23.077% | 23.077% | No | No |  | XXX | 10/XX/2017 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 2/XX/2028 | 1/XX/2028 | 2/XX/2028 | 1/XX/2028 | 2.000% | 5.750% | 1.500% | 2.250% | 2.000% | 2.000% | 6.000% | 9.750% | 1.500% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450783 |  | Full | 790 | 30.185% | 28.468% | 28.468% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450988 | $XXX | Full | 794 | 42.767% | 80.000% | 80.000% | No | No |  | XXX | 7/XX/2016 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 9/XX/2023 | 8/XX/2023 | 9/XX/2023 | 8/XX/2023 | 2.000% | 4.625% | 0.125% | 2.500% | 2.000% | 2.000% | 6.000% | 8.625% | 0.125% | 2.500% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450934 | $XXX | Full | 742 | 30.835% | 75.000% | 75.000% | No | No |  | XXX | 6/XX/2019 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 9/XX/2029 | 8/XX/2029 | 9/XX/2029 | 8/XX/2029 | 2.000% | 5.125% | 0.875% | 2.250% | 2.000% | 2.000% | 6.000% | 9.125% | 0.875% | 2.250% | No | Yes | 120 | 8/XX/2029 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450424 |  | Full | 783 | 44.344% | 37.910% | 37.910% | No | No |  | XXX | 8/XX/2016 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 1/XX/2024 | 12/XX/2023 | 1/XX/2024 | 12/XX/2023 | 2.000% | 4.875% | 0.375% | 2.500% | 2.000% | 2.000% | 6.000% | 8.875% | 0.375% | 2.500% | No | Yes | 84 | 12/XX/2023 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449605 |  | Full | 807 | 43.201% | 35.641% | 35.641% | No | No |  | XXX | 9/XX/2017 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 12/XX/2024 | 11/XX/2024 | 12/XX/2024 | 11/XX/2024 | 2.000% | 5.375% | 1.125% | 2.250% | 2.000% | 2.000% | 6.000% | 9.375% |  |  | No | Yes | 84 | 11/XX/2024 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449002 |  | Full | 672 | 42.308% | 75.000% | 75.000% | No | No |  | XXX | 1/XX/2015 | Permissible |  |  |  |  |  | 5 Year Interest Only, 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 5/XX/2020 | 4/XX/2020 | 5/XX/2023 | 4/XX/2024 | 2.000% | 5.875% | 1.375% | 2.500% | 2.000% | 2.000% | 6.000% | 9.875% | 1.375% | 2.500% | No | Yes | 60 | 4/XX/2020 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450402 |  | Full | 800 | 33.041% | 53.276% | 53.276% | No | No |  | XXX | 7/XX/2017 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 10/XX/2024 | 9/XX/2024 | 10/XX/2024 | 9/XX/2024 | 2.000% | 6.500% | 2.250% | 2.250% | 2.000% | 2.000% | 6.000% | 10.500% |  |  | No | Yes | 84 | 9/XX/2024 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449872 |  | Full | 732 | 43.067% | 74.483% | 74.483% | No | No |  | XXX | 3/XX/2017 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 6/XX/2024 | 5/XX/2024 | 6/XX/2024 | 5/XX/2024 | 2.000% | 6.250% | 2.000% | 2.250% | 2.000% | 2.000% | 6.000% | 10.250% | 2.000% | 2.250% | No | Yes | 84 | 5/XX/2024 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450365 |  | Full | 783 | 36.503% | 37.209% | 37.209% | No | No |  | XXX | 10/XX/2018 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 1/XX/2026 | 12/XX/2025 | 1/XX/2026 | 12/XX/2025 | 2.000% | 6.375% | 2.000% | 2.375% | 2.000% | 2.000% | 6.000% | 10.375% | 2.125% | 2.250% | No | Yes | 84 | 12/XX/2025 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450835 |  | Full | 756 | 5.302% | 76.477% | 81.477% | No | Yes | $48250.00 | XXX | 9/XX/2017 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 5/XX/2025 | 4/XX/2025 | 5/XX/2025 | 4/XX/2025 | 2.000% | 6.500% | 2.000% | 2.500% | 2.000% | 2.000% | 6.000% | 10.500% |  |  | No | Yes | 84 | 4/XX/2025 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449619 |  | Full | 761 | 41.382% | 61.250% | 61.250% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 1/XX/2027 | 12/XX/2026 | 1/XX/2027 | 12/XX/2026 | 2.000% | 6.375% | 2.000% | 2.375% | 2.000% | 2.000% | 6.000% | 10.375% | 2.125% | 2.250% | No | Yes | 84 | 12/XX/2026 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450705 |  | Full | 702 | 43.901% | 70.000% | 70.000% | No | No |  | XXX | 7/XX/2019 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 11/XX/2026 | 10/XX/2026 | 11/XX/2026 | 10/XX/2026 | 2.000% | 6.000% | 1.750% | 2.250% | 2.000% | 2.000% | 6.000% | 10.000% | 1.750% | 2.250% | No | Yes | 84 | 10/XX/2026 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449266 |  | Full | 782 | 32.003% | 77.957% | 77.957% | No | No |  | XXX | 7/XX/2015 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 11/XX/2025 | 10/XX/2025 | 11/XX/2025 | 10/XX/2025 | 2.000% | 6.125% | 1.625% | 2.500% | 2.000% | 2.000% | 6.000% | 10.125% | 1.625% | 2.500% | No | Yes | 120 | 10/XX/2025 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449295 |  | Full | 719 | 36.388% | 53.000% | 53.000% | No | No |  | XXX | 9/XX/2014 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 11/XX/2021 | 10/XX/2021 | 11/XX/2023 | 10/XX/2023 | 2.000% | 6.875% | 2.000% | 2.875% | 2.000% | 2.000% | 6.000% | 10.875% | 2.375% | 2.500% | No | Yes | 84 | 10/XX/2021 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450887 |  | Full |  | 72.023% | 20.000% | 20.000% | No | No |  | XXX |  | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 1/XX/2029 | 12/XX/2028 | 1/XX/2029 | 12/XX/2028 | 2.000% | 7.250% | 2.000% | 3.250% | 2.000% | 2.000% | 6.000% | 11.250% | 3.000% | 2.250% | No | Yes | 120 | 12/XX/2028 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450728 |  | Full | 768 | 49.878% | 64.179% | 76.866% | No | Yes | $85000.00 | XXX | 9/XX/2016 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 480 | 480 |  | Prime (WSJ) | 2.500% | 12 | 12 | 12/XX/2026 | 11/XX/2026 | 12/XX/2026 | 11/XX/2026 | 2.000% | 5.875% | 1.375% | 2.500% | 2.000% | 2.000% | 6.000% | 9.875% | 1.375% | 2.500% | No | Yes | 120 | 11/XX/2026 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449634 | $XXX | Full | 768 | 57.774% | 75.000% | 75.000% | No | No |  | XXX | 4/XX/2016 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | Prime (WSJ) | 2.500% | 12 | 12 | 8/XX/2023 | 7/XX/2023 | 8/XX/2023 | 7/XX/2023 | 2.000% | 6.625% | 2.000% | 2.625% | 2.000% | 2.000% | 6.000% | 10.625% | 2.000% | 2.625% | No | Yes | 84 | 7/XX/2023 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451013 |  | Full | 815 | 37.504% | 54.525% | 54.525% | No | No |  | XXX | 11/XX/2014 | Permissible |  |  |  |  |  | 5 Year Interest Only, 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 2/XX/2020 | 1/XX/2020 | 2/XX/2024 | 1/XX/2024 | 2.000% | 6.750% | 2.000% | 2.750% | 2.000% | 2.000% | 6.000% | 10.750% |  |  | No | Yes | 60 | 1/XX/2020 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451059 | $XXX | Full | 779 | 40.847% | 75.000% | 75.000% | No | No |  | XXX | 12/XX/2015 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 3/XX/2026 | 2/XX/2026 | 3/XX/2026 | 2/XX/2026 | 2.000% | 6.875% | 2.000% | 2.875% | 2.000% | 2.000% | 6.000% | 10.875% |  |  | No | Yes | 120 | 2/XX/2026 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449945 |  | Full | 793 | 37.061% | 80.000% | 80.000% | No | No |  | XXX | 3/XX/2016 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 6/XX/2026 | 5/XX/2026 | 6/XX/2026 | 5/XX/2026 | 2.000% | 5.375% | 0.875% | 2.500% | 2.000% | 2.000% | 6.000% | 9.375% |  |  | No | Yes | 120 | 5/XX/2026 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450488 |  | 2yr Full Doc | 754 | 23.543% | 76.606% | 76.606% | No | No |  | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 1/XX/2031 | 12/XX/2030 | 1/XX/2031 | 12/XX/2030 | 5.000% | 8.125% | 0.375% | 2.750% | 2.000% | 2.000% | 5.000% | 8.125% | 0.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449610 | $XXX | 2yr Full Doc | 755 | 38.024% | 90.000% | 90.000% | No | No |  | XXX | 11/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2031 | 1/XX/2031 | 2/XX/2031 | 1/XX/2031 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450434 | $XXX | 2yr Full Doc | 768 | 36.115% | 80.000% | 80.000% | No | No |  | XXX | 3/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2031 | 5/XX/2031 | 6/XX/2031 | 5/XX/2031 | 5.000% | 8.125% | 0.375% | 2.750% | 2.000% | 2.000% | 5.000% | 8.125% | 0.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449406 | $XXX | 2yr Full Doc | 798 | 32.017% | 80.000% | 80.000% | No | No |  | XXX | 3/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 6/XX/2028 | 5/XX/2028 | 6/XX/2028 | 5/XX/2028 | 2.000% | 4.375% |  | 3.000% | 2.000% | 2.000% | 5.000% | 7.375% |  | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450017 |  | 2yr Full Doc | 771 | 23.339% | 80.000% | 90.000% | No | Yes | $67000.00 | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 12/XX/2028 | 11/XX/2028 | 12/XX/2028 | 11/XX/2028 | 2.000% | 4.625% |  | 3.000% | 2.000% | 2.000% | 5.000% | 7.625% |  | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450132 | $XXX | 2yr Full Doc | 811 | 40.426% | 95.000% | 95.000% | No | No |  | XXX | 9/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 8.375% | 1.125% | 2.250% | 2.000% | 2.000% | 5.000% | 8.375% | 1.375% | 2.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450428 | $XXX | 2yr Full Doc | 760 | 31.284% | 95.000% | 95.000% | No | No |  | XXX | 9/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 1/XX/2030 | 12/XX/2029 | 1/XX/2030 | 12/XX/2029 | 5.000% | 8.625% | 1.375% | 2.250% | 2.000% | 2.000% | 5.000% | 8.625% | 1.375% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449313 |  | 2yr Full Doc | 755 | 32.354% | 75.000% | 75.000% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 8.750% | 1.500% | 2.250% | 2.000% | 2.000% | 5.000% | 8.750% | 1.500% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450832 |  | 2yr Full Doc | 813 | 27.584% | 83.824% | 83.824% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 1/XX/2030 | 12/XX/2029 | 1/XX/2030 | 12/XX/2029 | 5.000% | 8.250% | 1.000% | 2.250% | 2.000% | 2.000% | 5.000% | 8.250% | 1.000% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450202 |  | 2yr Full Doc | 792 | 30.765% | 88.682% | 88.682% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 1/XX/2030 | 12/XX/2029 | 1/XX/2030 | 12/XX/2029 | 5.000% | 8.250% | 1.000% | 2.250% | 1.000% | 1.000% | 5.000% | 8.250% | 1.000% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451082 |  | 2yr Full Doc | 728 | 29.607% | 57.759% | 57.759% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 2/XX/2030 | 1/XX/2030 | 2/XX/2030 | 1/XX/2030 | 5.000% | 8.500% | 1.250% | 2.250% | 2.000% | 2.000% | 5.000% | 8.500% | 1.250% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450456 |  | 2yr Full Doc | 794 | 30.778% | 88.654% | 88.654% | No | No |  | XXX | 11/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 2/XX/2030 | 1/XX/2030 | 2/XX/2030 | 1/XX/2030 | 5.000% | 8.750% | 1.500% | 2.250% | 1.000% | 1.000% | 5.000% | 8.750% | 1.500% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451142 |  | 2yr Full Doc | 790 | 25.914% | 13.462% | 13.462% | No | No |  | XXX | 12/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 3/XX/2030 | 2/XX/2030 | 3/XX/2030 | 2/XX/2030 | 5.000% | 8.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449697 |  | 2yr Full Doc | 785 | 27.910% | 53.500% | 53.500% | No | No |  | XXX | 5/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2031 | 1/XX/2031 | 2/XX/2031 | 1/XX/2031 | 5.000% | 8.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449550 |  | 2yr Full Doc | 785 | 43.294% | 64.638% | 64.638% | No | No |  | XXX | 4/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2031 | 1/XX/2031 | 2/XX/2031 | 1/XX/2031 | 5.000% | 8.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450514 | $XXX | 2yr Full Doc | 774 | 33.178% | 90.000% | 90.000% | No | No |  | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 1/XX/2031 | 12/XX/2030 | 1/XX/2031 | 12/XX/2030 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450781 | $XXX | 2yr Full Doc | 729 | 30.942% | 90.000% | 90.000% | No | No |  | XXX | 11/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 1/XX/2031 | 12/XX/2030 | 1/XX/2031 | 12/XX/2030 | 5.000% | 8.000% | 0.250% | 2.750% | 2.000% | 2.000% | 5.000% | 8.000% | 0.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450018 |  | 2yr Full Doc | 736 | 35.911% | 87.336% | 87.336% | No | No |  | XXX | 12/XX/2020 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 3/XX/2031 | 2/XX/2031 | 3/XX/2031 | 2/XX/2031 | 5.000% | 7.625% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.625% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450280 | $XXX | 2yr Full Doc | 787 | 46.680% | 90.000% | 90.000% | No | No |  | XXX | 11/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2031 | 1/XX/2031 | 2/XX/2031 | 1/XX/2031 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450960 |  | 2yr Full Doc | 767 | 16.962% | 84.578% | 84.578% | No | No |  | XXX | 12/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 3/XX/2031 | 2/XX/2031 | 3/XX/2031 | 2/XX/2031 | 5.000% | 8.125% | 0.375% | 2.750% | 2.000% | 2.000% | 5.000% | 8.125% | 0.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449991 | $XXX | 2yr Full Doc | 768 | 23.831% | 90.000% | 90.000% | No | No |  | XXX | 12/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.750% | 12 | 12 | 3/XX/2031 | 2/XX/2031 | 3/XX/2031 | 2/XX/2031 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449772 |  | 2yr Full Doc | 718 | 42.008% | 79.724% | 79.724% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | 6/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 3/XX/2028 | 2/XX/2028 | 3/XX/2028 | 2/XX/2028 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450696 |  | 2yr Full Doc | 762 | 40.955% | 85.881% | 85.881% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 5/XX/2031 | 4/XX/2031 | 5/XX/2031 | 4/XX/2031 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450634 | $XXX | 2yr Full Doc | 790 | 32.917% | 90.000% | 90.000% | No | No |  | XXX | 4/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 1 | 12 | 9/XX/2031 | 8/XX/2031 | 9/XX/2031 | 8/XX/2031 | 5.000% | 8.250% | 0.500% | 2.750% | 2.000% | 2.000% | 5.000% | 8.250% | 0.500% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450810 | $XXX | 1yr Full Doc | 764 | 20.912% | 90.000% | 90.000% | No | No |  | XXX | 4/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2031 | 5/XX/2031 | 6/XX/2031 | 5/XX/2031 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450184 |  | 1yr Full Doc | 777 | 40.011% | 90.000% | 90.000% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 5.000% | 8.000% | 0.250% | 2.750% | 2.000% | 2.000% | 5.000% | 8.000% | 0.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450113 |  | 2yr Full Doc | 763 | 14.594% | 81.462% | 81.462% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Daily) | 2.750% | 12 | 12 | 7/XX/2028 | 6/XX/2028 | 7/XX/2028 | 6/XX/2028 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450118 |  | 2yr Full Doc | 776 | 43.269% | 55.556% | 55.556% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2031 | 7/XX/2031 | 8/XX/2031 | 7/XX/2031 | 5.000% | 8.000% | 0.250% | 2.750% | 2.000% | 2.000% | 5.000% | 8.000% | 0.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449994 |  | 2yr Full Doc | 796 | 30.091% | 70.000% | 70.000% | No | No |  | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 11/XX/2028 | 10/XX/2028 | 11/XX/2028 | 10/XX/2028 | 5.000% | 7.625% |  | 2.750% | 1.000% | 1.000% | 5.000% | 7.625% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449647 |  | 1yr Full Doc | 809 | 21.267% | 51.842% | 51.842% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2031 | 8/XX/2031 | 9/XX/2031 | 8/XX/2031 | 5.000% | 7.500% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.500% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450936 | $XXX | 2yr Full Doc | 789 | 31.414% | 92.192% | 92.192% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2031 | 8/XX/2031 | 9/XX/2031 | 8/XX/2031 | 5.000% | 8.000% | 0.250% | 2.750% | 2.000% | 2.000% | 5.000% | 8.000% | 0.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449905 | $XXX | 2yr Full Doc | 722 | 37.085% | 80.000% | 80.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 11/XX/2031 | 10/XX/2031 | 11/XX/2031 | 10/XX/2031 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449457 | $XXX | 2yr Full Doc | 724 | 38.940% | 90.000% | 90.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2031 | 9/XX/2031 | 10/XX/2031 | 9/XX/2031 | 5.000% | 8.000% | 0.250% | 2.750% | 2.000% | 2.000% | 5.000% | 8.000% | 0.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450540 | $XXX | 2yr Full Doc | 745 | 42.993% | 90.000% | 90.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2031 | 9/XX/2031 | 10/XX/2031 | 9/XX/2031 | 5.000% | 8.375% | 0.625% | 2.750% | 2.000% | 2.000% | 5.000% | 8.375% | 0.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449770 | $XXX | 2yr Full Doc | 794 | 41.803% | 92.000% | 92.000% | No | No |  | XXX | 8/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 11/XX/2031 | 10/XX/2031 | 11/XX/2031 | 10/XX/2031 | 5.000% | 8.375% | 0.625% | 2.750% | 2.000% | 2.000% | 5.000% | 8.375% | 0.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450729 |  | 2yr Full Doc | 746 | 22.366% | 78.452% | 78.452% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 3/XX/2029 | 2/XX/2029 | 3/XX/2029 | 2/XX/2029 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449698 |  | 2yr Full Doc | 768 | 42.526% | 80.000% | 80.000% | No | No |  | XXX | 12/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2029 | 7/XX/2029 | 8/XX/2029 | 7/XX/2029 | 5.000% | 8.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449997 |  | 2yr Full Doc | 789 | 18.908% | 86.786% | 86.786% | No | No |  | XXX | 11/XX/2022 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 9.375% | 1.625% | 2.750% | 2.000% | 2.000% | 5.000% | 9.375% | 1.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450476 | $XXX | 2yr Full Doc | 801 | 43.744% | 76.002% | 76.002% | No | No |  | XXX | 5/XX/2022 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2029 | 6/XX/2029 | 7/XX/2029 | 6/XX/2029 | 5.000% | 8.750% | 1.000% | 2.750% | 2.000% | 2.000% | 5.000% | 8.750% | 1.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450282 |  | 2yr Full Doc | 746 | 34.745% | 80.000% | 80.000% | No | No |  | XXX | 4/XX/2022 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2029 | 5/XX/2029 | 6/XX/2029 | 5/XX/2029 | 5.000% | 8.250% | 0.500% | 2.750% | 2.000% | 2.000% | 5.000% | 8.250% | 0.500% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449116 |  | 2yr Full Doc | 759 | 36.302% | 73.438% | 73.438% | No | No |  | XXX | 6/XX/2022 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2029 | 9/XX/2029 | 10/XX/2029 | 9/XX/2029 | 5.000% | 9.125% | 1.375% | 2.750% | 2.000% | 2.000% | 5.000% | 9.125% | 1.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450746 | $XXX | 2yr Full Doc | 744 | 31.137% | 80.000% | 80.000% | No | No |  | XXX | 9/XX/2022 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 10.750% | 3.000% | 2.750% | 2.000% | 2.000% | 5.000% | 10.750% | 3.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449152 | $XXX | 2yr Full Doc | 765 | 19.691% | 90.000% | 90.000% | No | No |  | XXX | 9/XX/2022 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 11.000% | 3.250% | 2.750% | 2.000% | 2.000% | 5.000% | 11.000% | 3.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449573 | $XXX | 2yr Full Doc | 794 | 37.042% | 80.000% | 80.000% | No | No |  | XXX | 10/XX/2022 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 11.875% | 4.125% | 2.750% | 2.000% | 2.000% | 5.000% | 11.875% | 4.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450467 |  | 1yr Full Doc | 678 | 32.043% | 52.308% | 63.846% | No | Yes | $150000.00 | XXX | 11/XX/2016 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 3/XX/2027 | 2/XX/2027 | 3/XX/2027 | 2/XX/2027 | 2.000% | 5.750% | 0.750% | 3.000% | 2.000% | 2.000% | 5.000% | 8.750% | 0.750% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451213 | $XXX | 2yr Full Doc | 771 | 61.888% | 75.000% | 75.000% | No | No |  | XXX | 1/XX/2017 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 4/XX/2027 | 3/XX/2027 | 4/XX/2027 | 3/XX/2027 | 2.000% | 6.500% | 1.750% | 2.750% | 2.000% | 2.000% | 5.000% | 9.500% | 1.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449761 | $XXX | Asset Depletion | 738 | 38.727% | 44.444% | 44.444% | No | No |  | XXX | 3/XX/2017 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 5/XX/2027 | 4/XX/2027 | 5/XX/2027 | 4/XX/2027 | 2.000% | 5.990% | 0.990% | 3.000% | 2.000% | 2.000% | 5.000% | 8.990% | 0.990% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449425 | $XXX | 2yr Full Doc | 782 | 46.794% | 75.000% | 75.000% | No | No |  | XXX | 3/XX/2017 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 6/XX/2027 | 5/XX/2027 | 6/XX/2027 | 5/XX/2027 | 2.000% | 6.375% | 1.375% | 3.000% | 2.000% | 2.000% | 5.000% | 9.375% | 1.375% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449893 | $XXX | 2yr Full Doc | 777 | 41.644% | 75.000% | 75.000% | No | No |  | XXX | 8/XX/2017 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Month CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 6.500% | 1.750% | 2.750% | 2.000% | 2.000% | 5.000% | 9.500% | 1.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449158 | $XXX | 2yr Full Doc | 805 | 13.437% | 60.000% | 60.000% | No | No |  | XXX | 10/XX/2017 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2024 | 11/XX/2024 | 12/XX/2025 | 11/XX/2025 | 2.000% | 6.500% | 1.750% | 2.750% | 2.000% | 2.000% | 5.000% | 9.500% | 1.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450262 | $XXX | 2yr Full Doc | 624 | 39.756% | 80.000% | 80.000% | No | No |  | XXX | 6/XX/2018 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2028 | 9/XX/2028 | 10/XX/2028 | 9/XX/2028 | 2.000% | 6.625% | 1.875% | 2.750% | 2.000% | 2.000% | 5.000% | 9.625% | 1.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449344 | $XXX | 2yr Full Doc | 758 | 38.306% | 80.000% | 80.000% | No | No |  | XXX | 8/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 11/XX/2027 | 10/XX/2027 | 11/XX/2027 | 10/XX/2027 | 2.000% | 5.000% |  | 3.000% | 2.000% | 2.000% | 5.000% | 8.000% |  | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450920 |  | 1yr Full Doc | 632 | 45.626% | 68.280% | 68.280% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 2/XX/2027 | 1/XX/2027 | 2/XX/2027 | 1/XX/2027 | 2.000% | 5.875% | 0.875% | 3.000% | 2.000% | 2.000% | 5.000% | 8.875% | 0.875% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450318 |  | 1yr Full Doc | 800 | 49.896% | 70.000% | 70.000% | No | No |  | XXX | 2/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2027 | 5/XX/2027 | 6/XX/2027 | 5/XX/2027 | 2.000% | 6.000% | 1.250% | 2.750% | 2.000% | 2.000% | 5.000% | 9.000% | 1.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450021 | $XXX | 12mo Bank Statement | 797 | 34.931% | 75.000% | 75.000% | No | No |  | XXX | 6/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 9/XX/2027 | 8/XX/2027 | 9/XX/2027 | 8/XX/2027 | 2.000% | 5.875% | 0.875% | 3.000% | 2.000% | 2.000% | 5.000% | 8.875% | 0.875% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451095 | $XXX | 2yr Full Doc | 801 | 35.389% | 60.000% | 60.000% | No | No |  | XXX | 4/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 2.750% | 12 | 12 | 7/XX/2027 | 6/XX/2027 | 7/XX/2027 | 6/XX/2027 | 2.000% | 6.000% | 1.250% | 2.750% | 2.000% | 2.000% | 5.000% | 9.000% | 1.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449197 |  | 2yr Full Doc | 681 | 36.195% | 75.000% | 75.000% | No | No |  | XXX | 4/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2027 | 6/XX/2027 | 7/XX/2027 | 6/XX/2027 | 2.000% | 5.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450133 | $XXX | 2yr Full Doc | 787 | 21.992% | 75.000% | 75.000% | No | No |  | XXX | 4/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2027 | 5/XX/2027 | 6/XX/2027 | 5/XX/2027 | 2.000% | 6.000% | 1.250% | 2.750% | 2.000% | 2.000% | 5.000% | 9.000% | 1.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450537 |  | 1yr Full Doc | 773 | 32.976% | 31.839% | 31.839% | No | No |  | XXX | 7/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 5.750% | 1.000% | 2.750% | 2.000% | 2.000% | 5.000% | 8.750% | 1.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449146 | $XXX | 2yr Full Doc | 740 | 36.592% | 80.000% | 90.000% | No | Yes | $63500.00 | XXX | 4/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 2.750% | 12 | 12 | 7/XX/2027 | 6/XX/2027 | 7/XX/2027 | 6/XX/2027 | 2.000% | 5.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450506 | $XXX | 2yr Full Doc | 776 | 36.803% | 75.000% | 75.000% | No | No |  | XXX | 6/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2027 | 9/XX/2027 | 10/XX/2027 | 9/XX/2027 | 2.000% | 6.000% | 1.250% | 2.750% | 2.000% | 2.000% | 5.000% | 9.000% | 1.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449273 |  | Asset Depletion | 721 | 46.016% | 75.000% | 75.000% | No | No |  | XXX | 8/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 5/XX/2031 | 4/XX/2031 | 5/XX/2031 | 4/XX/2031 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449579 |  | 2yr Full Doc | 775 | 21.239% | 50.000% | 50.000% | No | No |  | XXX | 7/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2027 | 9/XX/2027 | 10/XX/2027 | 9/XX/2027 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451044 |  | 1yr Full Doc | 675 | 34.897% | 49.288% | 49.288% | No | No |  | XXX | 9/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 11/XX/2027 | 10/XX/2027 | 11/XX/2027 | 10/XX/2027 | 2.000% | 5.375% | 0.375% | 3.000% | 2.000% | 2.000% | 5.000% | 8.375% | 0.375% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449175 | $XXX | 1yr Full Doc | 798 | 21.224% | 75.000% | 75.000% | No | No |  | XXX | 8/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 11/XX/2027 | 10/XX/2027 | 11/XX/2027 | 10/XX/2027 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449687 | $XXX | 1yr Full Doc | 782 | 39.374% | 60.000% | 60.000% | No | No |  | XXX | 11/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 3.000% | 12 | 12 | 2/XX/2028 | 1/XX/2028 | 2/XX/2028 | 1/XX/2028 | 2.000% | 5.750% | 0.750% | 3.000% | 2.000% | 2.000% | 5.000% | 8.750% | 0.750% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449082 |  | 2yr Full Doc | 805 | 24.748% | 74.885% | 74.885% | No | No |  | XXX | 9/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450224 | $XXX | 2yr Full Doc | 799 | 42.133% | 80.000% | 80.000% | No | No |  | XXX | 9/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 4.875% |  | 3.000% | 2.000% | 2.000% | 5.000% | 7.875% |  | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449547 |  | 2yr Full Doc | 691 | 34.311% | 72.857% | 72.857% | No | No |  | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 1/XX/2028 | 12/XX/2027 | 1/XX/2028 | 12/XX/2027 | 2.000% | 5.375% | 0.375% | 3.000% | 2.000% | 2.000% | 5.000% | 8.375% | 0.375% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449836 | $XXX | 2yr Full Doc | 754 | 35.926% | 63.801% | 63.801% | No | No |  | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449416 | $XXX | 2yr Full Doc | 657 | 20.637% | 80.000% | 87.229% | No | Yes | $56600.00 | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 1/XX/2028 | 12/XX/2027 | 1/XX/2028 | 12/XX/2027 | 2.000% | 5.500% | 0.500% | 3.000% | 2.000% | 2.000% | 5.000% | 8.500% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450864 | $XXX | 2yr Full Doc | 781 | 38.912% | 61.783% | 61.783% | No | No |  | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2031 | 1/XX/2031 | 2/XX/2031 | 1/XX/2031 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449809 | $XXX | 2yr Full Doc | 792 | 37.478% | 38.043% | 38.043% | No | No |  | XXX | 11/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2028 | 1/XX/2028 | 2/XX/2028 | 1/XX/2028 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450627 |  | 2yr Full Doc | 699 | 32.450% | 70.000% | 70.000% | No | No |  | XXX | 11/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 4/XX/2031 | 3/XX/2031 | 4/XX/2031 | 3/XX/2031 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450406 |  | 2yr Full Doc | 797 | 25.684% | 60.263% | 60.263% | No | No |  | XXX | 12/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 4/XX/2028 | 3/XX/2028 | 4/XX/2028 | 3/XX/2028 | 2.000% | 5.375% | 0.375% | 3.000% | 2.000% | 2.000% | 5.000% | 8.375% | 0.375% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449160 |  | 2yr Full Doc | 745 | 41.364% | 78.090% | 78.090% | No | No |  | XXX | 12/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2028 | 1/XX/2028 | 2/XX/2028 | 1/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450967 | $XXX | Asset Depletion | 745 | 13.096% | 50.980% | 50.980% | No | No |  | XXX | 1/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 4/XX/2028 | 3/XX/2028 | 4/XX/2028 | 3/XX/2028 | 2.000% | 4.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450258 | $XXX | Asset Depletion | 692 | 36.562% | 41.667% | 41.667% | No | No |  | XXX | 1/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 4/XX/2028 | 3/XX/2028 | 4/XX/2028 | 3/XX/2028 | 2.000% | 5.125% | 0.375% | 2.750% | 2.000% | 2.000% | 5.000% | 8.125% | 0.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450116 | $XXX | 1yr Full Doc | 795 | 20.247% | 75.000% | 75.000% | No | No |  | XXX | 4/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2028 | 6/XX/2028 | 7/XX/2028 | 6/XX/2028 | 2.000% | 5.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450040 | $XXX | 2yr Full Doc | 783 | 36.895% | 75.000% | 75.000% | No | No |  | XXX | 1/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 4/XX/2028 | 3/XX/2028 | 4/XX/2028 | 3/XX/2028 | 2.000% | 5.625% | 0.625% | 3.000% | 2.000% | 2.000% | 5.000% | 8.625% | 0.625% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449339 |  | Asset Depletion | 716 | 17.824% | 65.000% | 65.000% | No | No |  | XXX | 1/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 4/XX/2028 | 3/XX/2028 | 4/XX/2028 | 3/XX/2028 | 2.000% | 5.625% | 0.625% | 3.000% | 2.000% | 2.000% | 5.000% | 8.625% | 0.625% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451122 |  | 2yr Full Doc | 731 | 34.601% | 52.632% | 52.632% | No | No |  | XXX | 1/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 5/XX/2028 | 4/XX/2028 | 5/XX/2028 | 4/XX/2028 | 2.000% | 4.375% |  | 3.000% | 2.000% | 2.000% | 5.000% | 7.375% |  | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451078 |  | Asset Depletion | 779 | 41.405% | 72.239% | 72.239% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2031 | 5/XX/2031 | 6/XX/2031 | 5/XX/2031 | 2.000% | 5.375% | 0.625% | 2.750% | 2.000% | 2.000% | 5.000% | 8.375% | 0.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449094 |  | 2yr Full Doc | 763 | 27.665% | 59.574% | 59.574% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 6/XX/2028 | 5/XX/2028 | 6/XX/2028 | 5/XX/2028 | 2.000% | 4.375% |  | 3.000% | 2.000% | 2.000% | 5.000% | 7.375% |  | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449355 | $XXX | 1yr Full Doc | 775 | 43.531% | 67.588% | 67.588% | No | No |  | XXX | 3/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 6/XX/2028 | 5/XX/2028 | 6/XX/2028 | 5/XX/2028 | 2.000% | 5.125% | 0.125% | 3.000% | 2.000% | 2.000% | 5.000% | 8.125% | 0.125% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450369 | $XXX | 2yr Full Doc | 811 | 43.865% | 76.744% | 76.744% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 8/XX/2028 | 7/XX/2028 | 8/XX/2028 | 7/XX/2028 | 2.000% | 5.125% | 0.125% | 3.000% | 2.000% | 2.000% | 5.000% | 8.125% | 0.125% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450873 | $XXX | 1yr Full Doc | 769 | 28.974% | 75.000% | 75.000% | No | No |  | XXX | 4/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 2.750% | 12 | 12 | 7/XX/2028 | 6/XX/2028 | 7/XX/2028 | 6/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451204 | $XXX | 2yr Full Doc | 710 | 47.626% | 75.000% | 75.000% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 5/XX/2028 | 4/XX/2028 | 5/XX/2028 | 4/XX/2028 | 2.000% | 5.125% | 0.125% | 3.000% | 2.000% | 2.000% | 5.000% | 8.125% | 0.125% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449223 | $XXX | 1yr Full Doc | 790 | 29.502% | 75.000% | 75.000% | No | No |  | XXX | 3/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2028 | 5/XX/2028 | 6/XX/2028 | 5/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449803 | $XXX | 2yr Full Doc | 785 | 33.223% | 75.000% | 75.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 2.000% | 5.625% | 0.625% | 3.000% | 2.000% | 2.000% | 5.000% | 8.625% | 0.625% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449142 | $XXX | 2yr Full Doc | 785 | 37.474% | 65.000% | 65.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2028 | 9/XX/2028 | 10/XX/2028 | 9/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451038 | $XXX | 2yr Full Doc | 778 | 16.057% | 65.000% | 65.000% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 8/XX/2031 | 7/XX/2031 | 8/XX/2031 | 7/XX/2031 | 2.000% | 5.875% | 0.875% | 3.000% | 2.000% | 2.000% | 5.000% | 8.875% | 0.875% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449826 |  | 2yr Full Doc | 764 | 49.866% | 75.000% | 75.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 9/XX/2031 | 8/XX/2031 | 9/XX/2031 | 8/XX/2031 | 2.000% | 5.750% | 0.750% | 3.000% | 2.000% | 2.000% | 5.000% | 8.750% | 0.750% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449028 |  | 1yr Full Doc | 764 | 40.214% | 75.000% | 75.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 9/XX/2031 | 8/XX/2031 | 9/XX/2031 | 8/XX/2031 | 2.000% | 5.750% | 0.750% | 3.000% | 2.000% | 2.000% | 5.000% | 8.750% | 0.750% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449723 | $XXX | 2yr Full Doc | 809 | 27.896% | 75.000% | 75.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450169 |  | 2yr Full Doc | 726 | 35.146% | 80.000% | 80.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 3.000% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 2.000% | 4.625% |  | 3.000% | 2.000% | 2.000% | 5.000% | 7.625% |  | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449289 | $XXX | 2yr Full Doc | 743 | 43.745% | 80.000% | 80.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 2.000% | 5.125% | 0.125% | 3.000% | 2.000% | 2.000% | 5.000% | 8.125% | 0.125% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449662 | $XXX | 2yr Full Doc | 745 | 36.033% | 60.000% | 60.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 3.000% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 2.000% | 5.875% | 0.875% | 3.000% | 2.000% | 2.000% | 5.000% | 8.875% | 0.875% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449988 |  | 2yr Full Doc | 799 | 28.935% | 70.000% | 70.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2028 | 9/XX/2028 | 10/XX/2028 | 9/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449250 | $XXX | 2yr Full Doc | 795 | 23.364% | 75.000% | 75.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449037 | $XXX | 2yr Full Doc | 796 | 36.091% | 75.000% | 75.000% | No | No |  | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2031 | 11/XX/2031 | 12/XX/2031 | 11/XX/2031 | 2.000% | 5.250% | 0.500% | 2.750% | 2.000% | 2.000% | 5.000% | 8.250% | 0.500% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449040 | $XXX | 2yr Full Doc | 773 | 25.762% | 70.000% | 70.000% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 1/XX/2029 | 12/XX/2028 | 1/XX/2029 | 12/XX/2028 | 2.000% | 5.625% | 0.625% | 3.000% | 2.000% | 2.000% | 5.000% | 8.625% | 0.625% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449890 | $XXX | 2yr Full Doc | 710 | 24.726% | 75.000% | 75.000% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 12/XX/2028 | 11/XX/2028 | 12/XX/2028 | 11/XX/2028 | 2.000% | 5.625% | 0.625% | 3.000% | 2.000% | 2.000% | 5.000% | 8.625% | 0.625% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450874 | $XXX | 2yr Full Doc | 795 | 17.700% | 75.000% | 75.000% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 1/XX/2029 | 12/XX/2028 | 1/XX/2029 | 12/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450152 | $XXX | 1yr Full Doc | 694 | 24.206% | 70.000% | 70.000% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 1/XX/2032 | 12/XX/2031 | 1/XX/2032 | 12/XX/2031 | 2.000% | 5.375% | 0.375% | 3.000% | 2.000% | 2.000% | 5.000% | 8.375% | 0.375% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450785 | $XXX | 2yr Full Doc | 743 | 33.839% | 60.000% | 60.000% | No | No |  | XXX | 12/XX/2021 | Permissible |  |  |  |  |  | 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 3/XX/2027 | 2/XX/2027 | 3/XX/2027 | 2/XX/2027 | 2.000% | 5.750% | 0.750% | 3.000% | 2.000% | 2.000% | 5.000% | 8.750% | 0.750% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450572 | $XXX | 1yr Full Doc |  | 22.461% | 75.000% | 75.000% | No | No |  | XXX | 1/XX/2022 | Permissible |  |  |  |  |  | 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 4/XX/2027 | 3/XX/2027 | 4/XX/2027 | 3/XX/2027 | 2.000% | 5.000% | 0.250% | 2.750% | 2.000% | 2.000% | 5.000% | 8.000% | 0.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450639 | $XXX | 2yr Full Doc | 794 | 17.257% | 73.000% | 73.000% | No | No |  | XXX | 1/XX/2022 | Permissible |  |  |  |  |  | 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 4/XX/2027 | 3/XX/2027 | 4/XX/2027 | 3/XX/2027 | 2.000% | 5.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451157 | $XXX | 1yr Full Doc |  | 41.241% | 60.000% | 60.000% | No | No |  | XXX | 6/XX/2022 | Permissible |  |  |  |  |  | 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2027 | 8/XX/2027 | 9/XX/2027 | 8/XX/2027 | 2.000% | 7.625% | 2.000% | 3.625% | 2.000% | 2.000% | 5.000% | 10.625% | 2.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450227 | $XXX | 1yr Full Doc | 799 | 17.648% | 75.000% | 75.000% | No | No |  | XXX | 11/XX/2022 | Permissible |  |  |  |  |  | 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2028 | 1/XX/2028 | 2/XX/2028 | 1/XX/2028 | 2.000% | 7.000% | 2.000% | 3.000% | 2.000% | 2.000% | 5.000% | 10.000% | 2.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450977 | $XXX | 2yr Full Doc | 753 | 42.782% | 80.000% | 80.000% | No | No |  | XXX | 11/XX/2022 | Permissible |  |  |  |  |  | 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2028 | 1/XX/2028 | 2/XX/2028 | 1/XX/2028 | 2.000% | 7.000% | 2.000% | 3.000% | 2.000% | 2.750% | 5.000% | 10.000% | 2.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450395 | $XXX | 1yr Full Doc | 767 | 42.088% | 87.500% | 87.500% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2031 | 9/XX/2031 | 10/XX/2031 | 9/XX/2031 | 5.000% | 8.250% | 0.500% | 2.750% | 2.000% | 2.000% | 5.000% | 8.250% | 0.500% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450551 | $XXX | 2yr Full Doc | 748 | 43.254% | 75.776% | 75.776% | No | No |  | XXX | 1/XX/2018 | Permissible |  |  |  |  |  | 7.17/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | Prime (WSJ) | 2.250% | 12 | 12 | 6/XX/2025 | 5/XX/2025 | 6/XX/2025 | 5/XX/2025 | 2.000% | 5.500% | 1.250% | 2.250% | 2.000% | 2.000% | 5.000% | 8.500% | 1.250% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449127 | $XXX | 2yr Full Doc | 797 | 30.729% | 80.000% | 80.000% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 2.750% | 12 | 12 | 6/XX/2031 | 5/XX/2031 | 6/XX/2031 | 5/XX/2031 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449740 | $XXX | 2yr Full Doc | 797 | 21.911% | 90.000% | 90.000% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2031 | 7/XX/2031 | 8/XX/2031 | 7/XX/2031 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450850 | $XXX | 1yr Full Doc | 753 | 29.707% | 80.000% | 80.000% | No | No |  | XXX | 5/XX/2022 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2029 | 7/XX/2029 | 8/XX/2029 | 7/XX/2029 | 5.000% | 8.750% | 1.000% | 2.750% | 2.000% | 2.000% | 5.000% | 8.750% | 1.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450856 |  | 2yr Full Doc | 766 | 42.297% | 90.000% | 90.000% | No | No |  | XXX | 3/XX/2023 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 5/XX/2028 | 4/XX/2028 | 5/XX/2028 | 4/XX/2028 | 2.000% | 7.750% | 2.000% | 3.750% | 2.000% | 2.000% | 5.000% | 10.750% | 3.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449071 | $XXX | 2yr Full Doc | 786 | 47.498% | 95.000% | 95.000% | No | No |  | XXX | 9/XX/2024 | Permissible |  |  |  |  |  | 7/6 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | SOFR 30 Day Average | 2.750% | 6 | 6 | 12/XX/2031 | 11/XX/2031 | 12/XX/2031 | 11/XX/2031 | 5.000% | 11.375% | 3.625% | 2.750% | 1.000% | 1.000% | 5.000% | 11.375% | 3.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450828 | $XXX | 2yr Full Doc | 774 | 48.092% | 80.000% | 90.000% | No | Yes | $94600.00 | XXX | 9/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 5.375% | 0.375% | 3.000% | 2.000% | 2.000% | 5.000% | 8.375% | 0.375% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449887 |  | 1yr Full Doc | 771 | 30.029% | 54.400% | 54.400% | No | No |  | XXX | 4/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 8/XX/2027 | 7/XX/2027 | 8/XX/2027 | 7/XX/2027 | 2.000% | 5.750% | 0.750% | 3.000% | 2.000% | 2.000% | 5.000% | 8.750% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450312 | $XXX | 2yr Full Doc | 762 | 45.787% | 60.000% | 60.000% | No | No |  | XXX | 1/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 3/XX/2028 | 2/XX/2028 | 3/XX/2028 | 2/XX/2028 | 2.000% | 5.125% | 0.375% | 2.750% | 2.000% | 2.000% | 5.000% | 8.125% | 0.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449253 | $XXX | 2yr Full Doc | 671 | 28.949% | 80.000% | 80.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 11/XX/2028 | 10/XX/2028 | 11/XX/2028 | 10/XX/2028 | 2.000% | 5.125% | 0.125% | 3.000% | 2.000% | 2.000% | 5.000% | 8.125% | 0.125% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451055 | $XXX | 2yr Full Doc | 757 | 40.754% | 80.000% | 89.958% | No | Yes | $131445.00 | XXX | 9/XX/2022 | Permissible |  |  |  |  |  | 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 6.375% | 1.375% | 3.000% | 2.000% | 2.000% | 5.000% | 9.375% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Base/Upsize** | **LoanID** | **Seller Loan ID** | **Servicer Loan ID** | **Loan Exception ID** | **Exception Type** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Amount of Underdisclosure** | **Compliance Factors** | **Subject to Predatory - Unable to Test** | **Origination Date** | **Statute of Limitation Date** | **State** | **Purpose at Origination** | **Occupancy at Origination** | **Disposition 3 UAL State** | **Date Reported by AMC** | **Date Cure Provided** | **Cured / Waived** | **Cleared** | **Issue with Cure Doc** | **Unable to Clear** | **QM Status** | **Seller Comments** | **AMC Additional Comments** |
| 6452449020 | Base | XXX | XXX | XXX | 410492 | credit | 3 | Final Title marked as missing |  |  |  |  |  | 3/XX/2006 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> D | 2/XX/2016 |  |  |  |  |  |  |  |  |
| 6452449020 | Base | XXX | XXX | XXX | 410522 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2006 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 2/XX/2016 |  |  |  |  |  |  |  |  |
| 6452450823 | Base | XXX | XXX | XXX | 1128843 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  | No | 10/XX/2001 |  | SC | Purchase | Primary | No<br> B | 8/XX/2016 |  |  |  |  |  |  |  |  |
| 6452450823 | Base | XXX | XXX | XXX | 1128850 | credit | 3 | There is no valuation in the file that meets FIRREA requirements. Either there are no valuations or the valuation provided is missing key data |  | The appraisal is missing from the file. |  |  | No | 10/XX/2001 |  | SC | Purchase | Primary | No<br> C | 8/XX/2016 |  |  |  |  |  |  |  |  |
| 6452450823 | Base | XXX | XXX | XXX | 1128918 | compliance | 2 | Initial TIL not provided |  |  |  |  | No | 10/XX/2001 | 10/XX/2002 | SC | Purchase | Primary | No<br> B | 8/XX/2016 |  |  |  |  |  |  |  |  |
| 6452450823 | Base | XXX | XXX | XXX | 1128943 | compliance | 2 | Initial Loan Application Status Test | No evidence of application date located in file. Compliance tests were run using an application date of 9/XX/2001 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date. |  |  |  | No | 10/XX/2001 |  | SC | Purchase | Primary | No<br> B | 8/XX/2016 |  |  |  |  |  |  |  |  |
| 6452450823 | Base | XXX | XXX | XXX | 1128944 | compliance | 3 | Missing Final HUD-1 | Missing Final HUD-1. Title Co. Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  | A violation of RESPA does not impair the validity of a loan or expose a true secondary market purchaser of a loan to assignee liability or rescission of the loan. While there are no express private rights of action under either Section 4 or 5 of RESPA, originators who violate these provisions are subject to enforcement action by a host of federal and state governmental authorities, and face the possible imposition of civil money penalties. Further, originators who violate Sections 4 and 5 of RESPA could be subject to claims arising under state law, such as state deceptive acts and practices statutes. | No | 10/XX/2001 |  | SC | Purchase | Primary | No<br> D | 8/XX/2016 |  |  |  |  |  |  |  |  |
| 6452451128 | Base | XXX | XXX | XXX | 3086223 | compliance | 3 | (Missing Doc) Incomplete loan images/file |  | Incomplete Loan File. Security and Title in the file, unable to run compliance. |  |  | UTD | 6/XX/2002 |  | NC | Construction-Permanent | Primary | No<br> D | 7/XX/2017 |  |  |  |  |  |  | 2017/XX/18: Pending Servicer |  |
| 6452450691 | Base | XXX | XXX | XXX | 3052875 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 5/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 4/XX/2006. |  |  |  |  | 6/XX/2006 |  | DE | Refinance - Cash-out - Other | Second Home | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450691 | Base | XXX | XXX | XXX | 3052879 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 6/XX/2006 |  | DE | Refinance - Cash-out - Other | Second Home | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450691 | Base | XXX | XXX | XXX | 3066300 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | 6/XX/2006 |  | DE | Refinance - Cash-out - Other | Second Home | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449354 | Base | XXX | XXX | XXX | 3027133 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 4/XX/2006 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449354 | Base | XXX | XXX | XXX | 3029079 | credit | 2 | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Due On Sale Clause, Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Holder's right to foreclose, Homestead Exemption Waiver |  |  |  |  | 4/XX/2006 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449354 | Base | XXX | XXX | XXX | 3029082 | credit | 3 | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I |  |  |  |  |  | 4/XX/2006 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449354 | Base | XXX | XXX | XXX | 3029099 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005. |  |  |  |  | 4/XX/2006 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449354 | Base | XXX | XXX | XXX | 3029100 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 4/XX/2006 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449354 | Base | XXX | XXX | XXX | 3029101 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2006 | 4/XX/2007 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449354 | Base | XXX | XXX | XXX | 3029102 | compliance | 2 | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | 4/XX/2006 | 4/XX/2009 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449354 | Base | XXX | XXX | XXX | 3055575 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Index used by lender was outside of lookback. | $36370.89 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2006 | 4/XX/2009 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450356 | Base | XXX | XXX | XXX | 3184562 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 4/XX/2002 |  | MO | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450356 | Base | XXX | XXX | XXX | 3184578 | credit | 2 | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  | 4/XX/2002 |  | MO | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450356 | Base | XXX | XXX | XXX | 3184625 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 4/XX/2002 |  | MO | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450518 | Base | XXX | XXX | XXX | 3897139 | compliance | 3 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  | Yes | 5/XX/2007 |  | IL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> D | 8/XX/2017 |  |  |  | Yes |  |  | 2017/XX/07: Per exception comments, looks like there were other HUDs in the file that can be used for testing. this shouldn't be an issue |  |
| 6452450518 | Base | XXX | XXX | XXX | 3902587 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  | Yes | 5/XX/2007 |  | IL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C | 8/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450518 | Base | XXX | XXX | XXX | 3902769 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  |  |  | Yes | 5/XX/2007 |  | IL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 8/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450518 | Base | XXX | XXX | XXX | 3902770 | compliance | 2 | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | Yes | 5/XX/2007 | 5/XX/2008 | IL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 8/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450518 | Base | XXX | XXX | XXX | 3902771 | compliance | 2 | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | Yes | 5/XX/2007 | 5/XX/2008 | IL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 8/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450518 | Base | XXX | XXX | XXX | 3903120 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  | Yes | 5/XX/2007 |  | IL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 8/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450004 | Base | XXX | XXX | XXX | 4543465 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 9/XX/2005 |  | OH | Purchase | Primary | No<br> C | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450004 | Base | XXX | XXX | XXX | 4543547 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 9/XX/2005 |  | OH | Purchase | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450004 | Base | XXX | XXX | XXX | 4543548 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  | 9/XX/2005 |  | OH | Purchase | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450004 | Base | XXX | XXX | XXX | 4543549 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 9/XX/2005 |  | OH | Purchase | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449076 | Base | XXX | XXX | XXX | 4545287 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 11/XX/2006 |  | MA | Refinance - Cash-out - Debt Consolidation | Investment | Yes<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449245 | Base | XXX | XXX | XXX | 6328563 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 9/XX/2006 |  | GA | Refinance - Cash-out - Debt Consolidation | Investment | No<br> B | 5/XX/2018 |  |  |  |  |  |  |  |  |
| 6452451092 | Base | XXX | XXX | XXX | 6822784 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  | Yes | 8/XX/1997 |  | WA | Refinance - UTD | Primary | No<br> C | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452451092 | Base | XXX | XXX | XXX | 6823129 | compliance | 2 | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  | Yes | 8/XX/1997 |  | WA | Refinance - UTD | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452451092 | Base | XXX | XXX | XXX | 6823141 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  | Yes | 8/XX/1997 |  | WA | Refinance - UTD | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452451092 | Base | XXX | XXX | XXX | 6823149 | compliance | 2 | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1997 used as disbursement date for compliance testing. |  |  |  | Yes | 8/XX/1997 |  | WA | Refinance - UTD | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452451092 | Base | XXX | XXX | XXX | 6823150 | compliance | 3 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  | Yes | 8/XX/1997 |  | WA | Refinance - UTD | Primary | No<br> D | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452451092 | Base | XXX | XXX | XXX | 6823151 | compliance | 2 | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  | Yes | 8/XX/1997 |  | WA | Refinance - UTD | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452451092 | Base | XXX | XXX | XXX | 6823153 | compliance | 2 | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | Yes | 8/XX/1997 | 8/XX/1998 | WA | Refinance - UTD | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452451092 | Base | XXX | XXX | XXX | 6823154 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | Yes | 8/XX/1997 | 8/XX/1998 | WA | Refinance - UTD | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452451092 | Base | XXX | XXX | XXX | 6823155 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. | Yes | 8/XX/1997 | 8/XX/2000 | WA | Refinance - UTD | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452451092 | Base | XXX | XXX | XXX | 6823156 | compliance | 2 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | 8/XX/1997 | 8/XX/2000 | WA | Refinance - UTD | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450636 | Base | XXX | XXX | XXX | 6980857 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  | 3/XX/2004 |  | NY | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450636 | Base | XXX | XXX | XXX | 6980969 | credit | 2 | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | Homestead Exemption Waiver |  |  |  |  | 3/XX/2004 |  | NY | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450636 | Base | XXX | XXX | XXX | 6980973 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 3/XX/2004 |  | NY | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450744 | Base | XXX | XXX | XXX | 6974236 | compliance | 2 | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | 12/XX/2006 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450744 | Base | XXX | XXX | XXX | 7048679 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  | 12/XX/2006 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450744 | Base | XXX | XXX | XXX | 7048681 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2006 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452449404 | Base | XXX | XXX | XXX | 9378071 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2006 | 12/XX/2007 | CA | Refinance - Rate/Term | Primary | No<br> B | 12/XX/2018 |  |  |  |  |  |  |  |  |
| 6452449404 | Base | XXX | XXX | XXX | 9402351 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  | 12/XX/2006 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 12/XX/2018 |  |  |  |  |  |  |  |  |
| 6452449404 | Base | XXX | XXX | XXX | 9402352 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2006 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 12/XX/2018 |  |  |  |  |  |  |  |  |
| 6452449404 | Base | XXX | XXX | XXX | 9402353 | compliance | 2 | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2006 | 12/XX/2007 | CA | Refinance - Rate/Term | Primary | No<br> B | 12/XX/2018 |  |  |  |  |  |  |  |  |
| 6452449715 | Base | XXX | XXX | XXX | 10021154 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 2/XX/2006 |  | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> C | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449715 | Base | XXX | XXX | XXX | 10021155 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 2/XX/2006 |  | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449715 | Base | XXX | XXX | XXX | 10021156 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 2/XX/2006 |  | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449715 | Base | XXX | XXX | XXX | 10021157 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 2/XX/2006 | 2/XX/2009 | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449715 | Base | XXX | XXX | XXX | 10021158 | compliance | 2 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2006 | 2/XX/2009 | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449715 | Base | XXX | XXX | XXX | 10021159 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006. |  |  |  |  | 2/XX/2006 |  | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449715 | Base | XXX | XXX | XXX | 10021160 | compliance | 2 | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  | 2/XX/2006 |  | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452451075 | Base | XXX | XXX | XXX | 10305637 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 8/XX/2001 |  | TX | Purchase | Primary | No<br> C | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452451075 | Base | XXX | XXX | XXX | 10305887 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 8/XX/2001 |  | TX | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452451075 | Base | XXX | XXX | XXX | 10306019 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001. |  |  |  |  | 8/XX/2001 |  | TX | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452451075 | Base | XXX | XXX | XXX | 10306020 | compliance | 2 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2001 | 8/XX/2002 | TX | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452451075 | Base | XXX | XXX | XXX | 10322289 | compliance | 2 | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  |  | 8/XX/2001 |  | TX | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452450745 | Base | XXX | XXX | XXX | 10286362 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 10/XX/2007 |  | MD | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452450745 | Base | XXX | XXX | XXX | 10286363 | compliance | 2 | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2007 |  | MD | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452450745 | Base | XXX | XXX | XXX | 10286364 | compliance | 2 | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2007 | 10/XX/2008 | MD | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449507 | Base | XXX | XXX | XXX | 11117012 | credit | 3 | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 5/XX/2007 |  | MA | Refinance - Rate/Term | Primary | Yes<br> C |  |  |  |  |  |  |  |  |  |
| 6452449507 | Base | XXX | XXX | XXX | 11117013 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2007 |  | MA | Refinance - Rate/Term | Primary | Yes<br> B |  |  |  |  |  |  |  |  |  |
| 6452449798 | Base | XXX | XXX | XXX | 11119751 | credit | 2 | Valuation Error: APN Number not provided. | Valuation Type: Appraisal / Valuation Report Date: 07/XX/2007 |  |  |  |  | 7/XX/2007 |  | NY | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450533 | Base | XXX | XXX | XXX | 11132876 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004. |  |  |  |  | 10/XX/2004 |  | NY | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450533 | Base | XXX | XXX | XXX | 11132877 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Itemization of amount financed reflects prepaid interest amount as $XXX. Actual amount per HUD is $XXX-a difference of $XXX. | $434.69 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2004 | 10/XX/2007 | NY | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450086 | Base | XXX | XXX | XXX | 11137856 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005. |  |  |  |  | 10/XX/2005 |  | CA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450086 | Base | XXX | XXX | XXX | 11137857 | compliance | 2 | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2005 |  | CA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450086 | Base | XXX | XXX | XXX | 11137858 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2005 |  | CA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450086 | Base | XXX | XXX | XXX | 11137859 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 10/XX/2005 |  | CA | Refinance - Rate/Term | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452450086 | Base | XXX | XXX | XXX | 11137860 | compliance | 2 | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | 10/XX/2005 | 10/XX/2008 | CA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449816 | Base | XXX | XXX | XXX | 11141050 | credit | 3 | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 4/XX/2006 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452449511 | Base | XXX | XXX | XXX | 11144220 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2006 |  | CA | Purchase | Second Home | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449511 | Base | XXX | XXX | XXX | 11144221 | compliance | 2 | Disparity in Occupancy | The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home) | Discrepancy in Occupancy does not have high cost implications. Testing loan as primary residence does not result in high cost findings. |  |  |  | 10/XX/2006 |  | CA | Purchase | Second Home | No<br> B |  |  |  |  |  |  |  |  | 2019/XX/19: Discrepancy in Occupancy does not have high cost implications. Testing loan as primary residence does not result in high cost findings. |
| 6452450076 | Base | XXX | XXX | XXX | 11166742 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 3/XX/2005 |  | FL | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450076 | Base | XXX | XXX | XXX | 11166747 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004. |  |  |  |  | 3/XX/2005 |  | FL | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450076 | Base | XXX | XXX | XXX | 11166751 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Itemization of amount financed does not reflect a $XXX closing delay fee, a $XXX scanning and storage fee, and a $XXX title courier fee as prepaid finance charges. | $1376.25 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2005 | 3/XX/2006 | FL | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450076 | Base | XXX | XXX | XXX | 11166760 | credit | 2 | Valuation Error: APN Number not provided. | Valuation Type: Appraisal / Valuation Report Date: 01/XX/2005 |  |  |  |  | 3/XX/2005 |  | FL | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450919 | Base | XXX | XXX | XXX | 11167418 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 1/XX/2007 |  | KY | Purchase | Primary | Yes<br> B |  |  |  |  |  |  |  |  |  |
| 6452450919 | Base | XXX | XXX | XXX | 11167419 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 1/XX/2007 | 1/XX/2008 | KY | Purchase | Primary | Yes<br> B |  |  |  |  |  |  |  |  |  |
| 6452450919 | Base | XXX | XXX | XXX | 11167420 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed. | $375.37 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2007 | 1/XX/2008 | KY | Purchase | Primary | Yes<br> B |  |  |  |  |  |  |  |  |  |
| 6452449529 | Base | XXX | XXX | XXX | 11168842 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007. |  |  |  |  | 3/XX/2007 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449529 | Base | XXX | XXX | XXX | 11168843 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2007 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449529 | Base | XXX | XXX | XXX | 11168844 | compliance | 2 | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2007 | 3/XX/2008 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449529 | Base | XXX | XXX | XXX | 11168845 | compliance | 2 | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2007 | 3/XX/2008 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449745 | Base | XXX | XXX | XXX | 11173516 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1985 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/1985. |  |  |  |  | 8/XX/1985 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449745 | Base | XXX | XXX | XXX | 11173517 | compliance | 2 | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/1985 | 8/XX/1986 | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449745 | Base | XXX | XXX | XXX | 11173518 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/1985 | 8/XX/1986 | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449745 | Base | XXX | XXX | XXX | 11173519 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 8/XX/1985 | 8/XX/1988 | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449745 | Base | XXX | XXX | XXX | 11173520 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 8/XX/1985 |  | FL | Refinance - Rate/Term | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452449745 | Base | XXX | XXX | XXX | 11173521 | credit | 2 | Valuation Error: APN Number not provided. | Valuation Type: Appraisal / Valuation Report Date: 06/XX/1985 |  |  |  |  | 8/XX/1985 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449375 | Base | XXX | XXX | XXX | 11173742 | compliance | 2 | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing. |  |  |  | Yes | 7/XX/2001 |  | PA | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449375 | Base | XXX | XXX | XXX | 11173743 | compliance | 3 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  | Yes | 7/XX/2001 |  | PA | Refinance - Cash-out - Other | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452449375 | Base | XXX | XXX | XXX | 11173744 | compliance | 2 | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  | Yes | 7/XX/2001 |  | PA | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449375 | Base | XXX | XXX | XXX | 11173745 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. | Yes | 7/XX/2001 | 7/XX/2004 | PA | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449375 | Base | XXX | XXX | XXX | 11173746 | compliance | 2 | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | 7/XX/2001 | 7/XX/2004 | PA | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449375 | Base | XXX | XXX | XXX | 11173747 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  | Yes | 7/XX/2001 |  | PA | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449375 | Base | XXX | XXX | XXX | 11173748 | credit | 3 | Missing Document: Appraisal not provided |  |  |  |  | Yes | 7/XX/2001 |  | PA | Refinance - Cash-out - Other | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452449375 | Base | XXX | XXX | XXX | 11173749 | compliance | 2 | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  | Yes | 7/XX/2001 |  | PA | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451178 | Base | XXX | XXX | XXX | 11175510 | compliance | 3 | Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing | Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  | Yes | 9/XX/2003 |  | CA | Refinance - Rate/Term | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185349 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  | No | 7/XX/1984 |  | KY | UTD - UTD | UTD | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185350 | credit | 3 | Missing Document: Credit Report not provided |  |  |  |  | No | 7/XX/1984 |  | KY | UTD - UTD | UTD | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185351 | compliance | 2 | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  | No | 7/XX/1984 |  | KY | UTD - UTD | UTD | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185352 | credit | 3 | Missing Document: Appraisal not provided |  |  |  |  | No | 7/XX/1984 |  | KY | UTD - UTD | UTD | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185353 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  | No | 7/XX/1984 |  | KY | UTD - UTD | UTD | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185354 | compliance | 2 | Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  | No | 7/XX/1984 |  | KY | UTD - UTD | UTD | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185355 | compliance | 2 | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1984 used as disbursement date for compliance testing. |  |  |  | No | 7/XX/1984 |  | KY | UTD - UTD | UTD | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185357 | compliance | 3 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  | No | 7/XX/1984 |  | KY | UTD - UTD | UTD | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185358 | compliance | 2 | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1984 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1984. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  | No | 7/XX/1984 |  | KY | UTD - UTD | UTD | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185359 | compliance | 2 | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  | No | 7/XX/1984 |  | KY | UTD - UTD | UTD | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185360 | compliance | 2 | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | No | 7/XX/1984 | 7/XX/1985 | KY | UTD - UTD | UTD | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185361 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | No | 7/XX/1984 | 7/XX/1985 | KY | UTD - UTD | UTD | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185362 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. | No | 7/XX/1984 | 7/XX/1987 | KY | UTD - UTD | UTD | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450582 | Base | XXX | XXX | XXX | 11185363 | compliance | 2 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | 7/XX/1984 | 7/XX/1987 | KY | UTD - UTD | UTD | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449385 | Base | XXX | XXX | XXX | 14221036 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 6/XX/2005 |  | FL | Purchase | Investment | No<br> B | 8/XX/2019 |  |  |  |  |  |  |  |  |
| 6452451150 | Base | XXX | XXX | XXX | 14222344 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 5/XX/2004 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 8/XX/2019 |  |  |  |  |  |  |  |  |
| 6452450534 | Base | XXX | XXX | XXX | 16443665 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 8/XX/2009 |  | TX | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 2/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450534 | Base | XXX | XXX | XXX | 16443666 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 8/XX/2009 |  | TX | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 2/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450534 | Base | XXX | XXX | XXX | 16443667 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2009 |  | TX | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 2/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450955 | Base | XXX | XXX | XXX | 16483800 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 4/XX/2009 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 2/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450955 | Base | XXX | XXX | XXX | 16483801 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 4/XX/2009 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 2/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450825 | Base | XXX | XXX | XXX | 16484758 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2004 | 4/XX/2005 | NY | Refinance - Rate/Term | Primary | No<br> B | 2/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450825 | Base | XXX | XXX | XXX | 16484759 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2004 | 4/XX/2005 | NY | Refinance - Rate/Term | Primary | No<br> B | 2/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450825 | Base | XXX | XXX | XXX | 16484760 | compliance | 2 | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  | 4/XX/2004 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 2/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450825 | Base | XXX | XXX | XXX | 16484761 | compliance | 2 | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | 4/XX/2004 | 4/XX/2007 | NY | Refinance - Rate/Term | Primary | No<br> B | 2/XX/2020 |  |  |  |  |  |  |  |  |
| 6452449357 | Base | XXX | XXX | XXX | 18222902 | compliance | 2 | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  | 4/XX/2005 |  | CT | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 9/XX/2020 |  |  |  |  |  |  |  |  |
| 6452449491 | Base | XXX | XXX | XXX | 18248413 | compliance | 2 | Mississippi Late Charge Percent and Amount Testing > $XXX | Mississippi Late Charge: Note late charge of 5.00000% exceeds state maximum of 4% or $XXX whichever is greater. |  |  |  |  | 10/XX/2005 |  | MS | Refinance - Rate/Term | Primary | No<br> B | 9/XX/2020 |  |  |  |  |  |  |  |  |
| 6452449491 | Base | XXX | XXX | XXX | 18248414 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2005 | 10/XX/2006 | MS | Refinance - Rate/Term | Primary | No<br> B | 9/XX/2020 |  |  |  |  |  |  |  |  |
| 6452449491 | Base | XXX | XXX | XXX | 18248415 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2005 | 10/XX/2006 | MS | Refinance - Rate/Term | Primary | No<br> B | 9/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450841 | Base | XXX | XXX | XXX | 18369679 | compliance | 3 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  | No | 3/XX/2003 |  | FL | Purchase | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450841 | Base | XXX | XXX | XXX | 18369680 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  | No | 3/XX/2003 |  | FL | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450841 | Base | XXX | XXX | XXX | 18369681 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  | No | 3/XX/2003 |  | FL | Purchase | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452450841 | Base | XXX | XXX | XXX | 18369682 | credit | 3 | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  | No | 3/XX/2003 |  | FL | Purchase | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452449793 | Base | XXX | XXX | XXX | 18372855 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  | UTD | 12/XX/2003 |  | FL | UTD - UTD | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452449793 | Base | XXX | XXX | XXX | 18372856 | compliance | 2 | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  | UTD | 12/XX/2003 |  | FL | UTD - UTD | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449793 | Base | XXX | XXX | XXX | 18372857 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  | UTD | 12/XX/2003 |  | FL | UTD - UTD | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449793 | Base | XXX | XXX | XXX | 18372858 | compliance | 2 | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2003 used as disbursement date for compliance testing. |  |  |  | UTD | 12/XX/2003 |  | FL | UTD - UTD | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449793 | Base | XXX | XXX | XXX | 18372859 | compliance | 3 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  | UTD | 12/XX/2003 |  | FL | UTD - UTD | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452449793 | Base | XXX | XXX | XXX | 18372860 | compliance | 2 | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  | UTD | 12/XX/2003 |  | FL | UTD - UTD | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449793 | Base | XXX | XXX | XXX | 18372861 | compliance | 2 | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  | UTD | 12/XX/2003 |  | FL | UTD - UTD | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449793 | Base | XXX | XXX | XXX | 18372862 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. | UTD | 12/XX/2003 | 12/XX/2006 | FL | UTD - UTD | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449793 | Base | XXX | XXX | XXX | 18372863 | compliance | 2 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | UTD | 12/XX/2003 | 12/XX/2006 | FL | UTD - UTD | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449793 | Base | XXX | XXX | XXX | 18372864 | credit | 3 | Missing Document: Appraisal not provided |  |  |  |  | UTD | 12/XX/2003 |  | FL | UTD - UTD | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450923 | Base | XXX | XXX | XXX | 18373425 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 2/XX/2004 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450923 | Base | XXX | XXX | XXX | 18373426 | compliance | 2 | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 2/XX/2004 | 2/XX/2007 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449779 | Base | XXX | XXX | XXX | 18373958 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 4/XX/2004 |  | LA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449779 | Base | XXX | XXX | XXX | 18373959 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine reason for under disclosure as the file is missing the Itemization of Amount Financed. | $307.93 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2004 | 4/XX/2007 | LA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449779 | Base | XXX | XXX | XXX | 18373960 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 4/XX/2004 | 4/XX/2007 | LA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449596 | Base | XXX | XXX | XXX | 18375270 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 12/XX/2004 |  | NJ | Purchase | Primary | Yes<br> B |  |  |  |  |  |  |  |  |  |
| 6452449596 | Base | XXX | XXX | XXX | 18375271 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2004 |  | NJ | Purchase | Primary | Yes<br> B |  |  |  |  |  |  |  |  |  |
| 6452449878 | Base | XXX | XXX | XXX | 18375533 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 2/XX/2005 |  | NY | Refinance - Cash-out - Other | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452449878 | Base | XXX | XXX | XXX | 18375534 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 2/XX/2005 |  | NY | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449878 | Base | XXX | XXX | XXX | 18375535 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 2/XX/2005 |  | NY | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449878 | Base | XXX | XXX | XXX | 18375536 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing itemization of amount financed | $324.03 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2005 | 2/XX/2008 | NY | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450410 | Base | XXX | XXX | XXX | 18375691 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2005 |  | CA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450410 | Base | XXX | XXX | XXX | 18375692 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2005 | 3/XX/2006 | CA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450410 | Base | XXX | XXX | XXX | 18375693 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2005 | 3/XX/2006 | CA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450410 | Base | XXX | XXX | XXX | 18375694 | compliance | 2 | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2005 | 3/XX/2006 | CA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450410 | Base | XXX | XXX | XXX | 18375695 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | $435.89 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2005 | 3/XX/2006 | CA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449518 | Base | XXX | XXX | XXX | 18376030 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 5/XX/2004 |  | LA | Construction-Permanent | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452449518 | Base | XXX | XXX | XXX | 18376031 | compliance | 2 | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing. |  |  |  |  | 5/XX/2004 |  | LA | Construction-Permanent | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449518 | Base | XXX | XXX | XXX | 18376032 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 5/XX/2004 |  | LA | Construction-Permanent | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449518 | Base | XXX | XXX | XXX | 18376033 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2004 | 5/XX/2005 | LA | Construction-Permanent | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449518 | Base | XXX | XXX | XXX | 18376034 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2004 | 5/XX/2005 | LA | Construction-Permanent | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449518 | Base | XXX | XXX | XXX | 18376035 | compliance | 2 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2004 | 5/XX/2005 | LA | Construction-Permanent | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449518 | Base | XXX | XXX | XXX | 18376036 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 5/XX/2004 |  | LA | Construction-Permanent | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449518 | Base | XXX | XXX | XXX | 18376037 | credit | 3 | Missing Document: Credit Report not provided |  |  |  |  |  | 5/XX/2004 |  | LA | Construction-Permanent | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450817 | Base | XXX | XXX | XXX | 18376941 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  | Yes | 10/XX/2005 |  | CA | Refinance - Rate/Term | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452450817 | Base | XXX | XXX | XXX | 18376942 | compliance | 3 | Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing | Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing. |  |  |  | Yes | 10/XX/2005 |  | CA | Refinance - Rate/Term | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450817 | Base | XXX | XXX | XXX | 18376943 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  | Yes | 10/XX/2005 |  | CA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450817 | Base | XXX | XXX | XXX | 18376944 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Yes | 10/XX/2005 |  | CA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450817 | Base | XXX | XXX | XXX | 18376945 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | Yes | 10/XX/2005 | 10/XX/2006 | CA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450817 | Base | XXX | XXX | XXX | 18376946 | compliance | 2 | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | Yes | 10/XX/2005 | 10/XX/2006 | CA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449597 | Base | XXX | XXX | XXX | 18377070 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 11/XX/2005 |  | FL | Refinance - Rate/Term | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452449597 | Base | XXX | XXX | XXX | 18377071 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 11/XX/2005 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449597 | Base | XXX | XXX | XXX | 18377072 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2005 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449597 | Base | XXX | XXX | XXX | 18377073 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine cause of under disclosure due to missing itemization of amount financed. | $106.22 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2005 | 11/XX/2008 | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449597 | Base | XXX | XXX | XXX | 18377074 | compliance | 2 | Final TIL Estimated | Final TIL disclosure found in file had markings indicating one or more entries are estimates. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2005 | 11/XX/2008 | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450771 | Base | XXX | XXX | XXX | 18377858 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 3/XX/2006 |  | CA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450771 | Base | XXX | XXX | XXX | 18377859 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2006 | 3/XX/2007 | CA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450771 | Base | XXX | XXX | XXX | 18377860 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2006 | 3/XX/2007 | CA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450914 | Base | XXX | XXX | XXX | 18379080 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 8/XX/2006 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450914 | Base | XXX | XXX | XXX | 18379081 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2006 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450914 | Base | XXX | XXX | XXX | 18379082 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2006 | 8/XX/2007 | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450914 | Base | XXX | XXX | XXX | 18379083 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2006 | 8/XX/2007 | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450821 | Base | XXX | XXX | XXX | 18379844 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 12/XX/2006 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450397 | Base | XXX | XXX | XXX | 18380864 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 3/XX/2007 |  | FL | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450397 | Base | XXX | XXX | XXX | 18380865 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 3/XX/2007 |  | FL | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450875 | Base | XXX | XXX | XXX | 18380974 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 4/XX/2007 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450875 | Base | XXX | XXX | XXX | 18380975 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 4/XX/2007 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450875 | Base | XXX | XXX | XXX | 18380976 | compliance | 2 | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | 4/XX/2007 | 4/XX/2010 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451186 | Base | XXX | XXX | XXX | 18381195 | compliance | 2 | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | 4/XX/2007 |  | CA | Refinance - Cash-out - Other | Investment | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449316 | Base | XXX | XXX | XXX | 18381613 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 5/XX/2007 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450045 | Base | XXX | XXX | XXX | 18383198 | credit | 3 | Missing Document: Credit Report not provided |  |  |  |  |  | 7/XX/2007 |  | FL | Purchase | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452449120 | Base | XXX | XXX | XXX | 18385280 | compliance | 3 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  | Yes | 3/XX/2008 |  | CA | Refinance - Rate/Term | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452449120 | Base | XXX | XXX | XXX | 18385281 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  | Yes | 3/XX/2008 |  | CA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449644 | Base | XXX | XXX | XXX | 18387547 | compliance | 2 | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  | Liability appears to be limited to originators/licensees. |  | 8/XX/2011 |  | NY | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449644 | Base | XXX | XXX | XXX | 18387548 | compliance | 2 | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | 8/XX/2011 | 8/XX/2014 | NY | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450525 | Base | XXX | XXX | XXX | 18387961 | compliance | 2 | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | 2/XX/2012 |  | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450525 | Base | XXX | XXX | XXX | 18387962 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 2/XX/2012 |  | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450525 | Base | XXX | XXX | XXX | 18387963 | compliance | 2 | RESPA (2010) - 0% Tolerance (Line 803) Without Cure | RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 2/XX/2012 |  | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450525 | Base | XXX | XXX | XXX | 18387964 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 2/XX/2012 |  | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450525 | Base | XXX | XXX | XXX | 18387965 | compliance | 2 | RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate | RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 2/XX/2012 |  | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450525 | Base | XXX | XXX | XXX | 18387966 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 2/XX/2012 |  | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450525 | Base | XXX | XXX | XXX | 18387967 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 2/XX/2012 |  | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450525 | Base | XXX | XXX | XXX | 18387968 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2012 | 2/XX/2013 | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450525 | Base | XXX | XXX | XXX | 18387969 | compliance | 2 | RESPA (2010) - 0% Tolerance (Line 801) With Cure | RESPA (2010): 0% tolerance violation for 801 fee with evidence of cure provided on Final HUD-1 |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 2/XX/2012 |  | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449226 | Base | XXX | XXX | XXX | 18388316 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 4/XX/2012 |  | IL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449226 | Base | XXX | XXX | XXX | 18388317 | compliance | 2 | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  | 4/XX/2012 |  | IL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449226 | Base | XXX | XXX | XXX | 18388318 | compliance | 2 | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 4/XX/2012 |  | IL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449226 | Base | XXX | XXX | XXX | 18388319 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 4/XX/2012 |  | IL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449226 | Base | XXX | XXX | XXX | 18388320 | compliance | 2 | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 4/XX/2012 |  | IL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449226 | Base | XXX | XXX | XXX | 18388321 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 4/XX/2012 |  | IL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449226 | Base | XXX | XXX | XXX | 18388322 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2012 | 4/XX/2013 | IL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449226 | Base | XXX | XXX | XXX | 18388323 | compliance | 2 | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 4/XX/2012 |  | IL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449226 | Base | XXX | XXX | XXX | 18388324 | compliance | 2 | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  | 4/XX/2012 |  | IL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449967 | Base | XXX | XXX | XXX | 18388885 | compliance | 2 | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449967 | Base | XXX | XXX | XXX | 18388886 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 5/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449967 | Base | XXX | XXX | XXX | 18388887 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449967 | Base | XXX | XXX | XXX | 18388888 | credit | 3 | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date:  |  |  |  |  | 5/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452449967 | Base | XXX | XXX | XXX | 18388889 | credit | 3 | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 5/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452449967 | Base | XXX | XXX | XXX | 18388890 | compliance | 2 | RESPA (2010) - 0% Tolerance (Line 1203) With Cure | RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449967 | Base | XXX | XXX | XXX | 18388891 | compliance | 2 | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450401 | Base | XXX | XXX | XXX | 18389750 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | 10/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450401 | Base | XXX | XXX | XXX | 18389751 | compliance | 2 | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  | Liability appears to be limited to originators/licensees. |  | 10/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450401 | Base | XXX | XXX | XXX | 18389752 | compliance | 2 | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450401 | Base | XXX | XXX | XXX | 18389753 | compliance | 2 | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450401 | Base | XXX | XXX | XXX | 18389754 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450401 | Base | XXX | XXX | XXX | 18389755 | credit | 3 | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date:  |  |  |  |  | 10/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452449495 | Base | XXX | XXX | XXX | 18389788 | compliance | 2 | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  | Liability appears to be limited to originators/licensees. |  | 10/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449495 | Base | XXX | XXX | XXX | 18389789 | compliance | 2 | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449495 | Base | XXX | XXX | XXX | 18389790 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449495 | Base | XXX | XXX | XXX | 18389791 | credit | 3 | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date:  |  |  |  |  | 10/XX/2012 |  | FL | Refinance - Rate/Term | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450028 | Base | XXX | XXX | XXX | 18765636 | compliance | 2 | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | 3/XX/2006 |  | MD | Purchase | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450028 | Base | XXX | XXX | XXX | 18765637 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2006 |  | MD | Purchase | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450028 | Base | XXX | XXX | XXX | 18765638 | compliance | 2 | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2006 | 3/XX/2007 | MD | Purchase | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450028 | Base | XXX | XXX | XXX | 18765639 | compliance | 2 | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2006 | 3/XX/2007 | MD | Purchase | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX | 18766971 | credit | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |  | 12/XX/2005 |  | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> C | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX | 18766972 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2005 | 12/XX/2006 | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX | 18766974 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Disaster Date: XX/XX/XXXX<br> Inspection Date: |  |  |  |  | 12/XX/2005 |  | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> C | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX | 18766975 | compliance | 2 | (Missing Data) Flood Hazard Zone | Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed. |  |  |  |  | 12/XX/2005 |  | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX | 18766976 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  | 12/XX/2005 |  | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX | 18766977 | compliance | 2 | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2005 | 12/XX/2006 | NJ | Refinance - Cash-out - Debt Consolidation | Primary | Yes<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452451133 | Base | XXX | XXX | XXX | 18767781 | credit | 3 | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3/XX/2000 |  | MO | Purchase | Primary | No<br> C | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452451133 | Base | XXX | XXX | XXX | 18767782 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX |  |  |  |  | 3/XX/2000 |  | MO | Purchase | Primary | No<br> C | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452451133 | Base | XXX | XXX | XXX | 18767783 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2000 | 3/XX/2001 | MO | Purchase | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452451133 | Base | XXX | XXX | XXX | 18767784 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 9/XX/1999. |  |  |  |  | 3/XX/2000 |  | MO | Purchase | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452451133 | Base | XXX | XXX | XXX | 18767785 | compliance | 2 | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2000 | 3/XX/2001 | MO | Purchase | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450141 | Base | XXX | XXX | XXX | 18774648 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Disaster Date: XX/XX/XXXX<br> Inspection Date: |  |  |  |  | 12/XX/2004 |  | NC | Refinance - Rate/Term | Second Home | No<br> C | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449379 | Base | XXX | XXX | XXX | 27219146 | compliance | 3 | Unknown Loan Designation Test | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is Non QM. | Originator Loan Designation not provided |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 8/XX/2021 |  | GA | Refinance - Rate/Term | Primary | No<br> C<br> B | 11/XX/2022 |  |  |  |  |  | Non QM |  |  |
| 6452449379 | Base | XXX | XXX | XXX | 27219149 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7562) | Fee Amount of $XXX exceeds tolerance of $XXX |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | GA | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Non QM |  |  |
| 6452449379 | Base | XXX | XXX | XXX | 27220438 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Last Date Rate Set and Initial Rate Lock Date not provided |  |  |  | 8/XX/2021 |  | GA | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Non QM |  |  |
| 6452449379 | Base | XXX | XXX | XXX | 27220439 | compliance | 2 | TRID Final Closing Disclosure Amount Financed | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. (Final/08/XX/2021) | Final Closing Disclosure provided on 08/XX/2021 disclosed an Amount Financed |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | GA | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  | Yes |  | Non QM | 2022/XX/07: Disagree: Final disclosed amount financed is $XXX. Calculated amount financed is $XXX. Amount financed is understated by $XXX and is acceptable. Fees include: Points $XXX, Processing $XXX, Tax Service $XXX, Closing/Escrow $XXX, CPL $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br>2022/XX/16: Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel. | 2022/XX/08: Note required to cure exception and match final disclosure including refund check, PCCD, LOE, Proof of delivery and reopening of RTC.<br>2022/XX/19: Provide signed note with correct balance, reopen RTC, refund any overpayment caused by incorrect note, provide proof of delivery and LOE. |
| 6452449379 | Base | XXX | XXX | XXX | 27220440 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/XX/2021). (Final/08/XX/2021) | The Note shows P&I of $XXX but the final CD is showing $XXX |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | GA | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  | Yes |  | Non QM | 2022/XX/07: Disagree: Final disclosed finance charge is $XXX. Calculated finance charge is $XXX. Finance charge is overstated by $XXX and is acceptable. Fees include: Points $XXX, Processing $XXX, Tax Service $XXX, Closing/Escrow $XXX, CPL $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br>2022/XX/16: Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel. | 2022/XX/08: Note required to cure exception and match final disclosure including refund check, PCCD, LOE, Proof of delivery and reopening of RTC.<br>2022/XX/19: Provide signed note with correct balance, reopen RTC, refund any overpayment caused by incorrect note, provide proof of delivery and LOE. |
| 6452449379 | Base | XXX | XXX | XXX | 27220441 | compliance | 2 | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2021 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/08/XX/2021) | Final Closing Disclosure provided on 08/XX/2021 disclosed a Principal and Interest Payment that does not match the actual payment for the loan |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | GA | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  | Yes |  | Non QM | 2022/XX/07: Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. The final CD and other file documentation signed at closing indicates the correct loan amount is $XXX and monthly P&I is $XXX. The Note dated 8/XX/2021 was provided and disclosed the incorrect loan amount of $XXX and incorrect P&I of $XXX. See attached Note and final CD.<br>2022/XX/16: Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel. | 2022/XX/08: Note required to cure exception and match final disclosure including refund check, PCCD, LOE, Proof of delivery and reopening of RTC.<br>2022/XX/19: Provide signed note with correct balance, reopen RTC, refund any overpayment caused by incorrect note, provide proof of delivery and LOE. |
| 6452449379 | Base | XXX | XXX | XXX | 27220442 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 08/XX/2021). (Final/08/XX/2021) | The Note shows P&I of $XXX but the final CD is showing $XXX |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | GA | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  | Yes |  | Non QM | 2022/XX/07: Disagree: Final disclosed total of payments is $XXX. Calculated total of payments is $XXX. Total of payments is overstated by $XXX and is acceptable. Fees include: Points $XXX, Processing $XXX, Tax Service $XXX, Closing/Escrow $XXX, CPL $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br>2022/XX/16: Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel. | 2022/XX/08: Note required to cure exception and match final disclosure including refund check, PCCD, LOE, Proof of delivery and reopening of RTC.<br>2022/XX/19: Provide signed note with correct balance, reopen RTC, refund any overpayment caused by incorrect note, provide proof of delivery and LOE. |
| 6452449379 | Base | XXX | XXX | XXX | 27220449 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2066889) | Final Closing Disclosure provided on 08/XX/2021 disclosed an Amount Financed |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | GA | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  | Yes |  | Non QM | 2022/XX/07: Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. The final CD and other file documentation signed at closing indicates the correct loan amount is $XXX and monthly P&I is $XXX. The Note dated 8/XX/2021 was provided and disclosed the incorrect loan amount of $XXX and incorrect P&I of $XXX. See attached Note and final CD.<br>2022/XX/16: Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel. | 2022/XX/08: Note required to cure exception and match final disclosure including refund check, PCCD, LOE, Proof of delivery and reopening of RTC.<br>2022/XX/19: Provide signed note with correct balance, reopen RTC, refund any overpayment caused by incorrect note, provide proof of delivery and LOE. |
| 6452450175 | Base | XXX | XXX | XXX | 27192221 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | 10/XX/2021 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450175 | Base | XXX | XXX | XXX | 27192802 | credit | 2 | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  |  |  |  |  | 10/XX/2021 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450175 | Base | XXX | XXX | XXX | 27192971 | credit | 3 | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | HOI policy provide reflects incorrect mortgagee clause. Lender to provide updated policy reflecting "Lender its successors and assigns" |  |  |  | 10/XX/2021 |  | NY | Refinance - Rate/Term | Primary | No<br> C | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450175 | Base | XXX | XXX | XXX | 27193124 | compliance | 2 | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. | Late Charge percentage of 5% is in excess of the NY state maximum. |  |  |  | 10/XX/2021 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450175 | Base | XXX | XXX | XXX | 27193125 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 11/XX/2021). (Final/10/XX/2021) | Disclosure reflects TOP of $XXX but calculated TOP of $XXX. Variance = $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2024 | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  | Yes |  | Safe Harbor QM (43-Q) | 2022/XX/07: Agree: Closing CD issued 10/XX/2021 Total of Payments disclosed is $XXX. Total of Payments calculated is $XXX. Post Close CD issued 11/XX/2021 Total of Payments disclosed $XXX increased by $XXX. Appraisal fee increased by $XXX on post close CD. $XXX Refund required to remedy. | 2022/XX/09: Appraisal fee was added on the PCCD dated that was not present on the final CD. Please provide PCCD, LOE, copy of refund check, proof of delivery and reopening of RTC to cure. |
| 6452450175 | Base | XXX | XXX | XXX | 27193173 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450777 | Base | XXX | XXX | XXX | 27227844 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | 9/XX/2021 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450777 | Base | XXX | XXX | XXX | 27228493 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 11/XX/2021). (Final/09/XX/2021) | Finance Charge Variance in the amount of $XXX greater than the allowed variance of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2021 | 9/XX/2024 | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  | Yes |  | Safe Harbor QM (43-Q) | 2022/XX/07: Disagree: Final disclosed finance charge is $XXX. Calculated finance charge is $XXX. Finance charge is understated by $XXX and is acceptable. Fees include: Processing $XXX, Closing/Escrow $XXX, Patriot Act Search $XXX, Recording Service $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br>2022/XX/16: Disagree: Mobile Notary and mobile signing fees are considered different. Mobile Notary fee listed on final CD is a non-APR fee and would not be included in finance charge calculation. No remediation required. | 2022/XX/09: Title - Mobile notary fee is being tested as a finance charge. "The state maximum is $XXX per signature. That is not the minimum per signature. The fee was paid to the title company.<br> If the lender obtains an invoice from the title company that breaks out the components of the $XXX fee, we will revisit the loan.<br>While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under 1026.4(e)-3 below:<br> 3. Notary fees. In order for a notary fee to be excluded under §1026.4(e)(1), all of the following conditions must be met:<br> i. The document to be notarized is one used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service."<br>2022/XX/19: That is why the Title - Notary fee is being tested as a signing fee. The $XXX notary fee is over state maximum allowed per notary. Please provide documentation of required notarizations or provide PCCD with breakout of Notary and signing fee charges for testing, or provide cure. |
| 6452450765 | Base | XXX | XXX | XXX | 27235687 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | 11/XX/2021 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450765 | Base | XXX | XXX | XXX | 27236675 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | 11/XX/2021 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450765 | Base | XXX | XXX | XXX | 27236676 | compliance | 2 | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. |  |  |  |  | 11/XX/2021 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450765 | Base | XXX | XXX | XXX | 27236677 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2021 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450765 | Base | XXX | XXX | XXX | 27236678 | compliance | 2 | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. |  |  |  |  | 11/XX/2021 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450765 | Base | XXX | XXX | XXX | 27236679 | compliance | 2 | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 11/XX/2021 contains a change in APR and contains an addition of a prepayment penalty and was not received by borrower at least three (3) business days prior to consummation. |  |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2021 | 11/XX/2022 | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450765 | Base | XXX | XXX | XXX | 27236682 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 11/XX/2021 | 11/XX/2022 | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450765 | Base | XXX | XXX | XXX | 27236684 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 11/XX/2021 | 11/XX/2022 | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450765 | Base | XXX | XXX | XXX | 27236716 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 11/XX/2021). (Final/11/XX/2021) | The calculated finance charge is $XXX and the finance charge on the final CD was $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2021 | 11/XX/2024 | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  | Yes |  | Safe Harbor QM (APOR) | 2022/XX/07: Disagree: Final disclosed finance charge is $XXX. Calculated finance charge is $XXX. Finance charge is overstated by $XXX and is acceptable. Fees include: Processing $XXX, Attorney Fee $XXX, Courier $XXX, Sub Escrow $XXX and Prepaid Interest $XXX. Index value of 0.048% found on Commitment Letter. Please see attached Brooks calculations.<br>2022/XX/16: Disagree: Per XXX methodology for the sate of New York the CEMA - Servicing Lender Attorney fee is correctly placed in section H and would NOT be considered an APR fee. | 2022/XX/09: CEMA servicing lender attorney fee is being tested as a finance charge. Please provide PCCD, LOE, copy of refund check, proof of delivery and re-opening of RTC.<br>2022/XX/19: With no specific exclusion under 4(c)(7) and the requirement for a servicing lender attorney fee, though disclosed in section H, would require the fee to be tested as a finance charge. |
| 6452450765 | Base | XXX | XXX | XXX | 27236737 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/11/XX/2021) | No indication in the loan file that the initial CD dated 11/XX/21 was provided to the borrower at least 3 business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2021 | 11/XX/2022 | NY | Refinance - Rate/Term | Primary | No<br> B | 11/XX/2022 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449555 | Base | XXX | XXX | XXX | 29371268 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 1/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449555 | Base | XXX | XXX | XXX | 29371269 | compliance | 2 | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | 1/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449555 | Base | XXX | XXX | XXX | 29371270 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 1/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449555 | Base | XXX | XXX | XXX | 29371271 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 1/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449555 | Base | XXX | XXX | XXX | 29371272 | compliance | 2 | RESPA - Initial GFE Missing | RESPA: Initial GFE not provided to Borrower(s). |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 1/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449555 | Base | XXX | XXX | XXX | 29371273 | compliance | 2 | TIL-MDIA - Initial TIL Missing | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2013 | 1/XX/2014 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449555 | Base | XXX | XXX | XXX | 29371274 | compliance | 2 | (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC) | Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia) |  |  |  |  | 1/XX/2013 | 1/XX/2016 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449555 | Base | XXX | XXX | XXX | 29371275 | credit | 3 | Missing Valuation: |  | Appraisal not provided. |  |  |  | 1/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450460 | Base | XXX | XXX | XXX | 29371281 | compliance | 2 | RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate | RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450460 | Base | XXX | XXX | XXX | 29371282 | compliance | 2 | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450460 | Base | XXX | XXX | XXX | 29371283 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450460 | Base | XXX | XXX | XXX | 29371284 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371307 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371308 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371309 | compliance | 2 | Federal LO Compensation Dual Compensation Pre-Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. |  |  | Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, and where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or non-judicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. |  | 8/XX/2013 | 8/XX/2016 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371310 | compliance | 2 | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371311 | compliance | 2 | SAFE Act - LO Company NMLS does not match NMLS | Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS. |  |  | Liability appears to be limited to originators/licensees. |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371312 | compliance | 2 | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371313 | compliance | 2 | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371314 | compliance | 2 | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371315 | compliance | 2 | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  | Liability appears to be limited to originators/licensees. |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371316 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371317 | compliance | 2 | RESPA (2010) – Written Service Provider List Missing | Unable to determine if the borrower received a list of service providers due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371318 | compliance | 2 | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371319 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371320 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2013 | 8/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371321 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan) | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2013 | 8/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371322 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2013 | 8/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371323 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2013 | 8/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449036 | Base | XXX | XXX | XXX | 29371324 | compliance | 2 | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2013 | 8/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371580 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371581 | compliance | 3 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> D | 7/XX/2023 |  |  |  |  |  |  | 2023/XX/18: Final HUD-1 was not stamped or signed, however it did have a cover letter that confirmed that the enclosed Final HUD is the certified copy which is likely how that Escrow operated vs the stamp/signature. | 2023/XX/18: The cover letter mentioned does not meet the requirements of a Final HUD-1. How a particular escrow company may or may not have operated in accordance with state standards is outside the scope of SAMC's review. A signed final HUD-1 has not been provided. Exception remains. |
| 6452450736 | Base | XXX | XXX | XXX | 29371582 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371583 | compliance | 2 | Federal LO Compensation Dual Compensation Pre-Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. |  |  | Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, and where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or non-judicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. | No | 4/XX/2013 | 4/XX/2016 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371584 | compliance | 2 | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  | Liability appears to be limited to originators/licensees. | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371585 | compliance | 2 | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371586 | compliance | 2 | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  | Liability appears to be limited to originators/licensees. | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371587 | compliance | 2 | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371588 | compliance | 2 | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  | Liability appears to be limited to originators/licensees. | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371589 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371590 | compliance | 2 | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371591 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | No | 4/XX/2013 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371592 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. | No | 4/XX/2013 | 4/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371593 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | 4/XX/2013 | 4/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371594 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match the first adjustment date for the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | No | 4/XX/2013 | 4/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371595 | compliance | 2 | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | No | 4/XX/2013 | 4/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371596 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | No | 4/XX/2013 | 4/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450736 | Base | XXX | XXX | XXX | 29371597 | compliance | 2 | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | No | 4/XX/2013 | 4/XX/2014 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371737 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371738 | compliance | 2 | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371739 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371740 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2013 | 5/XX/2016 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371741 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match the first adjustment date for the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2013 | 5/XX/2016 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371742 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Taxes and Insurance Inaccurate | Truth in Lending Act (MDIA 2011): The "First Adjustment" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the escrow payment that may apply during the first rate adjustment of the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2013 | 5/XX/2016 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371743 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): The "First Adjustment" total payment amount (PITI) on the Final TIL does not match the total payment amount that may apply during the first rate adjustment of the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2013 | 5/XX/2016 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371744 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371745 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371746 | compliance | 2 | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371747 | compliance | 2 | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371748 | compliance | 2 | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371749 | compliance | 2 | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371750 | compliance | 2 | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  | Liability appears to be limited to originators/licensees. |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371751 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371752 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371753 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2013 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371754 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2013 | 5/XX/2014 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371755 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2013 | 5/XX/2014 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450066 | Base | XXX | XXX | XXX | 29371756 | compliance | 2 | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2013 | 5/XX/2014 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371893 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  | UTD | 4/XX/2006 |  | CA | UTD - UTD | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371894 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  | UTD | 4/XX/2006 |  | CA | UTD - UTD | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371895 | credit | 3 | Final Title Policy is missing. No evidence of title in file. |  |  |  |  | UTD | 4/XX/2006 |  | CA | UTD - UTD | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371896 | credit | 3 | Initial Rate Lock rate date is not documented in file. |  |  |  |  | UTD | 4/XX/2006 |  | CA | UTD - UTD | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371897 | compliance | 2 | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  | UTD | 4/XX/2006 |  | CA | UTD - UTD | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371898 | compliance | 2 | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing. |  |  |  | UTD | 4/XX/2006 |  | CA | UTD - UTD | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371899 | compliance | 3 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  | UTD | 4/XX/2006 |  | CA | UTD - UTD | Primary | No<br> D | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371900 | compliance | 2 | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  | UTD | 4/XX/2006 |  | CA | UTD - UTD | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371901 | compliance | 2 | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  | UTD | 4/XX/2006 |  | CA | UTD - UTD | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371902 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. | UTD | 4/XX/2006 | 4/XX/2009 | CA | UTD - UTD | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450773 | Base | XXX | XXX | XXX | 29371903 | compliance | 2 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | UTD | 4/XX/2006 | 4/XX/2009 | CA | UTD - UTD | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371911 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371912 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371913 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371914 | compliance | 2 | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371915 | compliance | 2 | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371916 | compliance | 2 | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371917 | compliance | 2 | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371918 | compliance | 2 | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  | Liability appears to be limited to originators/licensees. |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371919 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371920 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371921 | compliance | 2 | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371922 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371923 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2012 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452451145 | Base | XXX | XXX | XXX | 29371924 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2012 | 11/XX/2013 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449202 | Base | XXX | XXX | XXX | 29371925 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  | Loan file does not contain any origination documentation. |  |  |  | 2/XX/2006 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  |  |  | 2023/XX/01: Additional image package received. |
| 6452449202 | Base | XXX | XXX | XXX | 29371926 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 2/XX/2006 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450606 | Base | XXX | XXX | XXX | 29371936 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. | Yes | 4/XX/2007 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450606 | Base | XXX | XXX | XXX | 29371937 | compliance | 3 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  | Yes | 4/XX/2007 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> D | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450606 | Base | XXX | XXX | XXX | 29371938 | compliance | 2 | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  | Yes | 4/XX/2007 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450606 | Base | XXX | XXX | XXX | 29371939 | credit | 3 | Missing Valuation: |  | Appraisal not provided. |  |  | Yes | 4/XX/2007 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371940 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371941 | credit | 3 | Missing Valuation: |  | Appraisal not provided. |  |  |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371942 | compliance | 2 | Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor | Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower. |  |  | Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages.<br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371943 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371944 | compliance | 2 | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371945 | compliance | 2 | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371946 | compliance | 2 | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371947 | compliance | 2 | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371948 | compliance | 2 | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371949 | compliance | 2 | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  | Liability appears to be limited to originators/licensees. |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371950 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371951 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371952 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449903 | Base | XXX | XXX | XXX | 29371953 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2013 | 12/XX/2014 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449935 | Base | XXX | XXX | XXX | 29372212 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  | No | 2/XX/2009 |  | WA | Refinance - UTD | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449935 | Base | XXX | XXX | XXX | 29372213 | compliance | 2 | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2009 used as disbursement date for compliance testing. |  |  |  | No | 2/XX/2009 |  | WA | Refinance - UTD | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449935 | Base | XXX | XXX | XXX | 29372214 | compliance | 3 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  | No | 2/XX/2009 |  | WA | Refinance - UTD | Investment | No<br> D | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449935 | Base | XXX | XXX | XXX | 29372215 | compliance | 2 | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  | No | 2/XX/2009 |  | WA | Refinance - UTD | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449935 | Base | XXX | XXX | XXX | 29372216 | compliance | 2 | Property Type Not Provided | (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  | No | 2/XX/2009 |  | WA | Refinance - UTD | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449935 | Base | XXX | XXX | XXX | 29372217 | compliance | 2 | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  |  |  |  | No | 2/XX/2009 |  | WA | Refinance - UTD | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449935 | Base | XXX | XXX | XXX | 29372218 | credit | 3 | Final Title Policy is missing. No evidence of title in file. |  |  |  |  | No | 2/XX/2009 |  | WA | Refinance - UTD | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449935 | Base | XXX | XXX | XXX | 29372219 | credit | 3 | Initial Rate Lock rate date is not documented in file. |  |  |  |  | No | 2/XX/2009 |  | WA | Refinance - UTD | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449935 | Base | XXX | XXX | XXX | 29372220 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  | Loan file does not contain any origination documentation. |  |  | No | 2/XX/2009 |  | WA | Refinance - UTD | Investment | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  |  |  | 2023/XX/05: Additional image package received. |
| 6452449395 | Base | XXX | XXX | XXX | 29372222 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area post-close. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 5/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: BPO provided reflecting no damage. |
| 6452449395 | Base | XXX | XXX | XXX | 29372223 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 5/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449395 | Base | XXX | XXX | XXX | 29372224 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure is due to missing VVOE for both borrower and co-borrower. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Agree with error, but don't agree with ATR impact based on overall file risk & quality. | 2023/XX/13: None of the documents received are sufficient to clear this condition. Please provide VVOE for co-borrower.<br>2023/XX/28: Trailing documents reviewed unable to clear. Provide missing Third Party Verification.<br>2023/XX/03: Loan approved as Portfolio Express which is reduced income, however due to loan designation of Non QM, a third party verification is required for the CB.<br>2023/XX/18: Loan designation failure due to missing employment verifications. B1 Employment VOE dated 5.3.16 is not within 10 Business days of the Note date and no VOE was provided for B2 employment verification.<br>2023/XX/08: VVOE not required for salaried borrower on Portfolio Express.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452449395 | Base | XXX | XXX | XXX | 29372225 | compliance | 1 | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) | Due to missing VVOE for both borrower and co-borrower. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 5/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: Updated employment letter to VOE. |
| 6452449395 | Base | XXX | XXX | XXX | 29372226 | compliance | 1 | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) | Due to missing VVOE for both borrower and co-borrower. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 5/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: LOE confirming employment from employer for B1 dated 5/XX/2016. There is no documentation in file confirming employment from employer or third party source and no date completed on Age of Documentation Checklists for VVOE in file for B2. Agree with finding for B2.<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/13: None of the documents received are sufficient to clear this condition. Please provide VVOE for co-borrower.<br>2023/XX/28: Trailing documents reviewed unable to clear. Provide missing Third Party Verification.<br>2023/XX/03: Loan approved as Portfolio Express which is reduced income, however due to loan designation of Non QM, a third party verification is required for the CB.<br>2023/XX/18: B1 Employment VOE dated 5.3.16 is not within 10 Business days of the Note date and no VOE was provided for B2 employment verification.<br>2023/XX/08: VVOE not required for salaried borrower on Portfolio Express. |
| 6452449395 | Base | XXX | XXX | XXX | 29372228 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet document not provided |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2016 | 5/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449395 | Base | XXX | XXX | XXX | 29372229 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | File contains ARM program disclosure; however, it is not dated to determine it was provided within 3 business days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2016 | 5/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449395 | Base | XXX | XXX | XXX | 29372230 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Credit Report fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2016 | 5/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449395 | Base | XXX | XXX | XXX | 29372231 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2016 are underdisclosed. (Final/05/XX/2016) | Loan Disclosures: Page 1 of final CD shows monthly Estimated Taxes, Insurance & Assessments of $XXX translating to an annual payment of $XXX. Page 4 of final CD reflects Amount of Estimated Property Costs over Year 1 of 19,906.34. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2016 | 5/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449395 | Base | XXX | XXX | XXX | 29372232 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2016 | 5/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449395 | Base | XXX | XXX | XXX | 29372233 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | File is missing List of Homeownership Counseling Organizations. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372323 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 5/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: BPO provided reflects no damage. |
| 6452450796 | Base | XXX | XXX | XXX | 29372324 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2018) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 5/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372325 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 04/XX/2018, Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. (XXX XXX/S-Corp) | Based on Application Date, more recent tax returns are due/missing. Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 04/XX/2018, Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. |  |  |  | 5/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372326 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet Disclosure is missing. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2018 | 5/XX/2019 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372327 | credit | 3 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage provided is short $XXX. Please provide increased HOI coverage or RCE. |  |  |  | 5/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372328 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Statement, Tax Verification | The following REO documents are required and missing: Statement, HOI and property tax verification. |  |  |  | 5/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372329 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Statement, Tax Verification | The following REO documents are required and missing: Statement, HOI and property tax verification. |  |  |  | 5/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372330 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Statement, Tax Verification | The following REO documents are required and missing: Statement, HOI and property tax verification. |  |  |  | 5/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372331 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Tax Verification | The following REO documents are required and missing: HOI and property tax verification. |  |  |  | 5/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372332 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Tax Verification | The following REO documents are required and missing: HOI and property tax verification. |  |  |  | 5/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372333 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Tax Verification | The following REO documents are required and missing: HOI and property tax verification. |  |  |  | 5/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450796 | Base | XXX | XXX | XXX | 29372334 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure located in file; however, it is not dated to determine that it was sent to borrower within 3 business days of application date. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2018 | 5/XX/2019 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450403 | Base | XXX | XXX | XXX | 29372411 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Post Disaster Inspection Report is missing in the loan file. |  |  |  | 9/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: BPO provided reflecting no damage. |
| 6452450403 | Base | XXX | XXX | XXX | 29372412 | credit | 1 | REO Documents are missing. | Address: XXX, CA, Address: XXX, CA Insurance Verification, Tax Verification<br> Insurance Verification, Tax Verification | Insurance Verification and Tax Verification documents are missing. |  |  |  | 9/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: Both properties are reflected as Rental Properties on the application. Subject loan is a portfolio express, therefore the processed Tax Transcripts are used to calculate the rental income/loss with no additional documentation required. | 2023/XX/21: Portfolio Express, not required. |
| 6452450403 | Base | XXX | XXX | XXX | 29372413 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in the file. |  |  |  | 9/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450403 | Base | XXX | XXX | XXX | 29372414 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2019) |  |  |  |  | 9/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450403 | Base | XXX | XXX | XXX | 29372415 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Adjustable Rate Mortgage Disclosure is not dated within 3 days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2019 | 9/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450403 | Base | XXX | XXX | XXX | 29372416 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet Disclosure is missing in the file. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2019 | 9/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450403 | Base | XXX | XXX | XXX | 29372417 | compliance | 1 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Using the fully amortized payment as required by the guidelines, the DTI ratio is 52.81%, which exceeds the maximum allowed by guidelines, causing the loan to waterfall through the QM Testing. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 9/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: Loan is non-QM due to document type of portfolio express. ATR met with DTI within guidelines, as reflected in notes above. | 2023/XX/21: Portfolio Express, added rental income from transcripts. |
| 6452450403 | Base | XXX | XXX | XXX | 29372418 | compliance | 1 | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 52.81255% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Using the fully amortized payment as required by the guidelines, the DTI ratio is 52.81%, which exceeds the maximum allowed by guidelines, causing the loan to waterfall through the QM Testing. |  |  |  | 9/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: Loan is portfolio express and does not require full documentation. Manually calculated income is as follows: W2 wages $XXX (using 24 month average from 4506) + Interest $XXX (using 24 month average from 4506 - note: stated stock value on application supports this income) + Dividends $XXX (using 24 month average from 4506 - note: stated stock value on application supports this income) + VA Pension $XXX (using award letter, as this was new income as of 7/2017) + Social Security $XXX (using 2018 average from 4506, as only one award letter was provided) + Rental income $XXX (Using 2018 average from 4506) = total income of $XXX/mo. Qualifying PITIA is $XXX (mortgage payment is $XXX (this is based on 20 year amortization @ 4.375% rate) + $XXX ins + $XXX taxes) + other expenses of $XXX = total debts of $XXX/mo. Total DTI is 43.11% | 2023/XX/21: Portfolio Express, added rental income from transcripts. |
| 6452450403 | Base | XXX | XXX | XXX | 29372419 | credit | 1 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.81255% exceeds Guideline total debt ratio of 45.00000%. | Using the fully amortized payment as required by the guidelines, the DTI ratio is 52.81%, which exceeds the maximum allowed by guidelines. |  |  |  | 9/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: Loan is portfolio express and does not require full documentation. Manually calculated income is as follows: W2 wages $XXX (using 24 month average from 4506) + Interest $XXX (using 24 month average from 4506) + Dividends $XXX (using 24 month average from 4506) + VA Pension $XXX (using award letter, as this was new income as of 7/2017) + Social Security $XXX (using 2018 average from 4506, as only one award letter was provided) + Rental income $XXX (Using 2018 average from 4506) = total income of $XXX/mo. Qualifying PITIA is $XXX + other expenses of $XXX = total debts of $XXX/mo. Total DTI is 43.11% | 2023/XX/21: Rental income added from transcripts. |
| 6452450403 | Base | XXX | XXX | XXX | 29372420 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Using the fully amortized payment as required by the guidelines, the DTI ratio is 52.81%, which exceeds the maximum allowed by guidelines, causing the loan to waterfall through the QM Testing. |  |  |  | 9/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: Loan is portfolio express and does not require full documentation. Manually calculated income is as follows: W2 wages $XXX (using 24 month average from 4506) + Interest $XXX (using 24 month average from 4506) + Dividends $XXX (using 24 month average from 4506) + VA Pension $XXX (using award letter, as this was new income as of 7/2017) + Social Security $XXX (using 2018 average from 4506, as only one award letter was provided) + Rental income $XXX (Using 2018 average from 4506) = total income of $XXX/mo. Qualifying PITIA is $XXX + other expenses of $XXX = total debts of $XXX/mo. Total DTI is 43.11% | 2023/XX/21: Portfolio Express, added rental income from transcripts. |
| 6452449906 | Base | XXX | XXX | XXX | 29372510 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial Escrow Account Statement is missing from the loan file. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449906 | Base | XXX | XXX | XXX | 29372511 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA disclosure missing from loan file. |  | There is no Assignee Liability. |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449906 | Base | XXX | XXX | XXX | 29372512 | compliance | 1 | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit report is missing from the loan file. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: Credit report not found.<br>2023/XX/05: Uploaded Credit Report | 2023/XX/02: Trailing docs provided but resulted in: A file containing content that is not permitted in this storage location has been quarantined.<br>2023/XX/21: Credit report not provided in file. Condition remains.<br>2023/XX/06: Credit report was provided. Loan is Portfolio express. Condition cleared but updated. |
| 6452449906 | Base | XXX | XXX | XXX | 29372513 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75197) | Fee Amount of $XXX was added on the 11/XX/15 Closing Disclosure. File did not contain a valid Change of Circumstance or evidence of a tolerance cure. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2015 | 12/XX/2016 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449906 | Base | XXX | XXX | XXX | 29372514 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564) | Fee Amount of $XXX was added on the 11/XX/15 Closing Disclosure. File did not contain a valid Change of Circumstance or evidence of a tolerance cure. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2015 | 12/XX/2016 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449906 | Base | XXX | XXX | XXX | 29372515 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | No evidence in file the CHARM booklet was provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2015 | 12/XX/2016 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449906 | Base | XXX | XXX | XXX | 29372516 | credit | 1 | Missing Document: Credit Report not provided |  | Credit Report is not Provided |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/05: Uploaded Credit Report | 2023/XX/02: Trailing docs provided but resulted in: A file containing content that is not permitted in this storage location has been quarantined.<br>2023/XX/21: Credit report not provided in file. Condition remains.<br>2023/XX/06: Credit report was provided. Loan is Portfolio express.Condition cleared. |
| 6452449906 | Base | XXX | XXX | XXX | 29372517 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 11/XX/2015 | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449906 | Base | XXX | XXX | XXX | 29372518 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Post-disaster Inspection missing from file. |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/31: BPO provided reflecting no damage. |
| 6452449906 | Base | XXX | XXX | XXX | 29372519 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Designation fail due to missing employment, asset and credit documentation to meet ATR. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/05: Uploaded Credit Report | 2023/XX/02: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/21: Credit report not provided in file. Condition remains.<br>2023/XX/06: Credit report was provided. Loan is Portfolio express. Condition cleared but updated. |
| 6452449906 | Base | XXX | XXX | XXX | 29372520 | compliance | 1 | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (XXX/Checking) | ATR failure due to lack of asset documentation. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/05: Uploaded Credit Report | 2023/XX/02: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: Credit report was provided. Loan is Portfolio express. Condition cleared but updated. |
| 6452449906 | Base | XXX | XXX | XXX | 29372521 | compliance | 1 | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (XXX/Checking) | ATR failure due to lack of asset documenation |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/05: Uploaded Credit Report | 2023/XX/02: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: Credit report was provided. Loan is Portfolio express. Condition cleared but updated. |
| 6452449906 | Base | XXX | XXX | XXX | 29372522 | compliance | 2 | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/XX/2015 disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final/12/XX/2015) |  |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2015 | 12/XX/2016 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449906 | Base | XXX | XXX | XXX | 29372523 | credit | 1 | AUS/Guideline Findings: All conditions were not met |  | Missing credit report |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/06: Credit report was provided. Loan is Portfolio express. Condition cleared |
| 6452449906 | Base | XXX | XXX | XXX | 29372524 | credit | 1 | Asset documentation requirements not met. |  | File is missing all asset documentation |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/06: Loan is a portfolio express per rebuttal. Condition cleared. |
| 6452449906 | Base | XXX | XXX | XXX | 29372525 | credit | 1 | Income documentation requirements not met. |  | File is missing the borrower's 2 year employment history |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/06: Loan is a portfolio express per rebuttal. Condition cleared. |
| 6452449906 | Base | XXX | XXX | XXX | 29372526 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | File is missing credit report, all asset documentation and a 2 year employment history |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/06: Credit report was provided. Loan is Portfolio express. Condition cleared but updated. |
| 6452449906 | Base | XXX | XXX | XXX | 29372527 | compliance | 3 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The maximum DTI is 38% per Portfolio Express guides. Loan approved at 40.433% |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/25: Disagree; Portfolio Express loans do not have their own specific max DTI requirements. RLU-NA 502-2 LOAN PARAMETERS / UNDERWRITING GUIDELINES section states: Debt ratios apply according to the program selected. Max DTI allowed is 43%. | 2023/XX/27: Failure remains due to insufficient assets to cover the increase reserves. Per the Portfolio Express and Expanded DTI guides, 43% is allowed with a 720 fico and 12 months reserves. |
| 6452449906 | Base | XXX | XXX | XXX | 29372528 | compliance | 3 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The maximum DTI is 38% per Portfolio Express guides. Loan approved at 40.433% |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/25: Disagree; Portfolio Express loans do not have their own specific max DTI requirements. RLU-NA 502-2 LOAN PARAMETERS / UNDERWRITING GUIDELINES section states: Debt ratios apply according to the program selected. Max DTI allowed is 43%. | 2023/XX/27: Failure remains due to insufficient assets to cover the increase reserves. Per the Portfolio Express and Expanded DTI guides, 43% is allowed with a 720 fico and 12 months reserves. |
| 6452449906 | Base | XXX | XXX | XXX | 29372529 | compliance | 1 | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 39.95812% moderately exceeds the guideline maximum of 38.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The maximum DTI is 38% per Portfolio Express guides. Loan approved at 40.433% |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/25: Disagree; Portfolio Express loans do not have their own specific max DTI requirements. RLU-NA 502-2 LOAN PARAMETERS / UNDERWRITING GUIDELINES section states: Debt ratios apply according to the program selected. Max DTI allowed is 43%. | 2023/XX/27: 43% is allowed under expanded criteria. However updated exceptions were generated due to insufficient assets stated on the application. |
| 6452449906 | Base | XXX | XXX | XXX | 29372530 | credit | 1 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 39.95812% exceeds Guideline total debt ratio of 38.00000%. | The maximum DTI is 38% per Portfolio Express guides. Loan approved at 40.433% |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/25: Disagree; Portfolio Express loans do not have their own specific max DTI requirements. RLU-NA 502-2 LOAN PARAMETERS / UNDERWRITING GUIDELINES section states: Debt ratios apply according to the program selected. Max DTI allowed is 43%. | 2023/XX/27: 43% DTI is allowed within expanded guides. |
| 6452449906 | Base | XXX | XXX | XXX | 29372531 | credit | 3 | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.34 is less than Guideline PITIA months reserves of 12.00. | Per Portfolio Express and expanded DTI guides, 43% DTI is allowed with a 720 fico and 12 months reserves. Insufficient assets were listed on the application to cover 12 months reserves. |  |  |  | 12/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450901 | Base | XXX | XXX | XXX | 29372743 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 8/XX/2020 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: BPO provided reflecting no damage. |
| 6452450901 | Base | XXX | XXX | XXX | 29372744 | property | 1 | Loan is to be securitized. The only valuation provided was a Drive by. It is interpreted that this Drive By was used in lieu of URAR and that this file is missing the secondary valuation (GSE COVID19) |  | Lender guides require a complete interior/exterior appraisal which is missing from the file. A secondary appraisal may be needed. |  |  |  | 8/XX/2020 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: Client not securitizing loan. |
| 6452450901 | Base | XXX | XXX | XXX | 29372745 | credit | 3 | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Agreement missing in file. |  |  |  | 8/XX/2020 |  | CA | Purchase | Primary | No<br> D | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450901 | Base | XXX | XXX | XXX | 29372746 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2020) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 8/XX/2020 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450901 | Base | XXX | XXX | XXX | 29372747 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial Escrow Account Disclosure Missing in file. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2020 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450901 | Base | XXX | XXX | XXX | 29372748 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/08/XX/2020) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2020 | 8/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450901 | Base | XXX | XXX | XXX | 29372749 | compliance | 2 | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 08/XX/2020 not received by borrower at least four (4) business days prior to closing. (Interim/08/XX/2020) | Revised Loan Estimate provided on 08/XX/2020 not received by borrower at least four (4) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2020 | 8/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450901 | Base | XXX | XXX | XXX | 29372751 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2020 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 09/XX/2020). (Final/08/XX/2020) | Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX. Variance = $XXX. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2020 | 8/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450901 | Base | XXX | XXX | XXX | 29372752 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | File is missing a fully executed initial 1003. |  |  |  | 8/XX/2020 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/30: Missing Signed/dated Initial 1003. |
| 6452450901 | Base | XXX | XXX | XXX | 29372753 | credit | 3 | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 20.00. | Borrower has insufficient assets to cover funds to close and reserves. |  |  |  | 8/XX/2020 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450901 | Base | XXX | XXX | XXX | 29372754 | credit | 3 | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | Borrower is short assets for closing and reserves. |  |  |  | 8/XX/2020 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449853 | Base | XXX | XXX | XXX | 29372765 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2017) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449853 | Base | XXX | XXX | XXX | 29372766 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449853 | Base | XXX | XXX | XXX | 29372767 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449853 | Base | XXX | XXX | XXX | 29372768 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2023/XX/31: BPO provided reflecting no damage. |
| 6452449853 | Base | XXX | XXX | XXX | 29372769 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 09/XX/2017 | Documentation certifying the subject property condo is warrantable is missing from the file. |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449853 | Base | XXX | XXX | XXX | 29372770 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 11/XX/2017). (Final/10/XX/2017) | Finance charge disclosed is $XXX. Calculated finance charge is $XXX. Variance is $XXX. Unable to determine the cause of the under disclosure due to missing the final itemization of finance charges. TILA Material Disclosure Cure – Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and re-open rescission if applicable. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2017 | 10/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449853 | Base | XXX | XXX | XXX | 29372771 | compliance | 2 | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2017 disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final/10/XX/2017) |  |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2017 | 10/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449204 | Base | XXX | XXX | XXX | 29372836 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2014) | Evidence of appraisal delivery 3 days prior to closing is not in file. |  |  |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449204 | Base | XXX | XXX | XXX | 29372837 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Right to Received a copy of appraisal disclosure document not provided. |  | There is generally no Assignee Liability. |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449204 | Base | XXX | XXX | XXX | 29372838 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. | Affiliated Business Arrangement Disclosure document not provided. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449204 | Base | XXX | XXX | XXX | 29372839 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. |  | $97.96 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2014 | 9/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449204 | Base | XXX | XXX | XXX | 29372840 | compliance | 2 | (Doc Error) GFE Error: Changed Circumstance not provided. | GFE Date: 09/XX/2014 Changed Circumstance not provided for GFE dated 09/XX/2014 from GFE dated 08/XX/2014 | Changed Circumstance not provided |  |  |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449204 | Base | XXX | XXX | XXX | 29372841 | credit | 3 | Missing Document: Fraud Report not provided |  | Fraud Report not provided. |  |  |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449204 | Base | XXX | XXX | XXX | 29372842 | credit | 3 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX | Fraud Report not provided |  |  |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449204 | Base | XXX | XXX | XXX | 29372843 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | The file was missing a copy of the Initial 1003 |  |  |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449204 | Base | XXX | XXX | XXX | 29372844 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area post-close. A post-disaster inspection verifying there was no damage to the subject property is required once a declared end date is identified. |  |  |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/01: BPO provided reflects no damage. |
| 6452449204 | Base | XXX | XXX | XXX | 29372845 | credit | 3 | Missing Document: AUS not provided |  | AUS document is not in file. |  |  |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  | 2023/XX/26: Missing AUS. |
| 6452449204 | Base | XXX | XXX | XXX | 29372846 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | The AUS is missing from the file, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449204 | Base | XXX | XXX | XXX | 29372847 | credit | 3 | AUS/Guideline Findings: All conditions were not met |  | File is missing the approve/eligible AUS |  |  |  | 9/XX/2014 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449501 | Base | XXX | XXX | XXX | 29372848 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 06/XX/2016). (Final/XX/20/2016) | Disclosed Finance Charges are $XXX. Calculated Finance Charges are $XXX. There is a variance of -$XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2016 | 6/XX/2019 | CA | Refinance - Limited Cash-out GSE | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449501 | Base | XXX | XXX | XXX | 29372850 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 6/XX/2016 |  | CA | Refinance - Limited Cash-out GSE | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2023/XX/01: BPO provided reflects no damage. |
| 6452449501 | Base | XXX | XXX | XXX | 29372851 | credit | 3 | Missing Document: Occupancy Certificate not provided |  |  |  |  |  | 6/XX/2016 |  | CA | Refinance - Limited Cash-out GSE | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373191 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area post-close. A post-disaster inspection verifying there was no damage to the subject property is required once a declared end date is identified. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: BPO dated 5/XX/23 showing no damage to property has been received. |
| 6452451148 | Base | XXX | XXX | XXX | 29373192 | compliance | 3 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) | Loan designation provided was Safe Harbor QM. Asset depletion income type is non compliant with Safe Harbor requirements. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373193 | compliance | 3 | Retirement Documentation | Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (XXX XXX/IRA Distribution) | File is missing 2015 signed/dated tax returns and the award/verification letter from the Investment banker. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373194 | compliance | 2 | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 08/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 04/XX/2016. (XXX XXX/Schedule C) | This is due to missing 2015 executed returns. Tax return extension for 2015 is in the file. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373195 | compliance | 2 | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 08/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 04/XX/2016. (XXX XXX/Schedule K-1 less than 25 Percent) | This is due to missing 2015 executed returns. Tax return extension for 2015 is in the file. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373196 | compliance | 3 | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) | File is missing the 2015 signed/dated tax returns, year to date signed/dated balance sheet and third party verification dated within 30 days of the note date verifying dates of operation, good standing and active status. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373197 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2016) | Missing confirmation of borrower receipt of the appraisal. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373198 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Additional/09/XX/2016) | Missing confirmation of borrower receipt of the appraisal. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373199 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 08/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 04/XX/2016. (XXX XXX/Schedule C) | File is missing the 2015 signed/dated tax returns, year to date signed/dated balance sheet and third party verification dated within 30 days of the note date verifying dates of operation, good standing and active status. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373200 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 08/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 04/XX/2016. (XXX XXX/Schedule K-1 less than 25 Percent) | Failure due to missing 2015 signed/dated tax returns and additional income documentation required for Safe Harbor QM documentation requirement. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373201 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/09/XX/2016) | Missing confirmation of borrower receipt of the appraisal. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373202 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Failure due to missing income documents for a Safe Harbor QM loan. Loan is defaulting to QM/ATR testing requirements. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373203 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 10/XX/2016 are underdisclosed. (Final/10/XX/2016) | Final and post-closing disclosure reflect an annual amount of $XXX. Taxes are $XXX, HOI is $XXX = $XXX (which matches page 1 of the final closing disclosure) X 12 = $XXX. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2016 | 10/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373204 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet file is missing |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2016 | 10/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/30: Missing CHARM Booklet provided within 3 days of application. |
| 6452451148 | Base | XXX | XXX | XXX | 29373205 | credit | 3 | Missing Document: Missing Final 1003 |  | Missing all pages of the final 1003. The final 1003 in file states to "see attachments" missing these attachments. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373206 | credit | 3 | Missing Document: Subordination Agreement not provided |  | Missing the executed subordination agreement. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373207 | credit | 3 | Missing Document: HELOC Agreement not provided |  | Missing the HELOC agreement to confirm a break down of the terms for the second lien. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373208 | credit | 3 | Missing Document: Note - Subordinate Lien not provided |  | Missing second lien note/HELOC agreement. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451148 | Base | XXX | XXX | XXX | 29373209 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Disclosure does not reflect a date provided. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2016 | 10/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449858 | Base | XXX | XXX | XXX | 29373214 | credit | 3 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXX Provide updated policy reflecting minimum coverage of $XXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | 8/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449858 | Base | XXX | XXX | XXX | 29373215 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | The file was missing evidence the CHARM Booklet was provided to borrower within 3 days of initial application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2019 | 8/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  | 2023/XX/30: Missing CHARM Booklet provided within 3 days of application. |
| 6452449858 | Base | XXX | XXX | XXX | 29373216 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower in loan file |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2019 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449858 | Base | XXX | XXX | XXX | 29373217 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2019) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 8/XX/2019 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449858 | Base | XXX | XXX | XXX | 29373219 | credit | 3 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 89.87879% exceeds Guideline combined loan to value percentage of 80.00000%. | Per lender guides for the 2nd mortgage: Up to 89.90% TLTV is allowed with a concurrent XXX FlexEquity 2nd with a minimum 730 credit score (or 740 if required by UB 1st Mortgage guidelines). The 2nd mortgage was provided by Alliant Credit Union, not Union Bank as required for the increased LTV. |  |  |  | 8/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449392 | Base | XXX | XXX | XXX | 29373313 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Property was not in FEMA disaster at the time of closing. Disaster end date XX/XX/XXXX. |  |  |  | 7/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449392 | Base | XXX | XXX | XXX | 29373314 | compliance | 2 | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/XX/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/07/XX/2019) | Final Closing Disclosure provided on 07/XX/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2019 | 7/XX/2020 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449392 | Base | XXX | XXX | XXX | 29373315 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 7/XX/2019 | 7/XX/2020 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449392 | Base | XXX | XXX | XXX | 29373316 | compliance | 2 | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 7/XX/2019 | 7/XX/2020 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452451073 | Base | XXX | XXX | XXX | 29373565 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is not provided. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452451073 | Base | XXX | XXX | XXX | 29373566 | credit | 1 | Income Docs Missing: | Borrower: XXX VVOE - Employment Only | VVOE is missing for XXX employer XXX. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/02: VVOE was provided. |
| 6452451073 | Base | XXX | XXX | XXX | 29373567 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification | Hazard insurance is missing for REO XXX, CA. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  | 2023/XX/02: Trailing docs did not contain any docs to clear this exception. |
| 6452451073 | Base | XXX | XXX | XXX | 29373568 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 11/XX/2016 | File does not contain documentation from lender/seller to verify it is confirming condo is warrantable or not. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452451073 | Base | XXX | XXX | XXX | 29373569 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2016 | 12/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452451073 | Base | XXX | XXX | XXX | 29373570 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) | File does not contain a valid COC for this fee, cure not provided at closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2016 | 12/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452451073 | Base | XXX | XXX | XXX | 29373572 | credit | 3 | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.32 is less than Guideline PITIA months reserves of 6.00. |  |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  | 2023/XX/02: Trailing docs did not contain any docs to clear this exception. |
| 6452451073 | Base | XXX | XXX | XXX | 29373573 | credit | 1 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2016 |  |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/02: VVOE was provided. |
| 6452451073 | Base | XXX | XXX | XXX | 29373574 | credit | 3 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 78.85305% exceeds Guideline loan to value percentage of 75.00000%. | LTV exceeds guidelines and file does not meet required credit score for increased LTV to 80%. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452451073 | Base | XXX | XXX | XXX | 29373575 | credit | 3 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.08924% exceeds Guideline total debt ratio of 38.00000%. | DTI exceeds guidelines and borrower credit score is not high enough to qualify for the expanded DTI guidelines. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452451073 | Base | XXX | XXX | XXX | 29373576 | credit | 3 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 09/XX/2014 | File is missing a VVOE within 10 days for this employment |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  | 2023/XX/02: Trailing docs did not contain any docs to clear this exception. |
| 6452449262 | Base | XXX | XXX | XXX | 29373627 | compliance | 1 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2019) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Initial CD provided. |
| 6452449262 | Base | XXX | XXX | XXX | 29373629 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | No valid change of circumstance or cure provided for the Tax Service Fee exceeding the allowed tolerance. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449262 | Base | XXX | XXX | XXX | 29373630 | credit | 1 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX | Fraud report is missing for both borrowers. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Fraud report provided. |
| 6452449262 | Base | XXX | XXX | XXX | 29373632 | credit | 1 | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen status not provided for borrower. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Permanent Resident Alien Card provided. Cleared. |
| 6452449262 | Base | XXX | XXX | XXX | 29373633 | credit | 1 | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX |  |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/02: Received BPO. Condition cleared. |
| 6452449262 | Base | XXX | XXX | XXX | 29373634 | credit | 1 | Missing Document: Source of Funds/Deposit not provided |  | Recent bank statement from the gift funds donor to support ability to give gift funds was not provided. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: Evidence of gift funds from donor in file via cashiers checks that reflects donor XXX as the remitter. Documentation for evidence of donors bank statement/ability to give gift funds is not a requirement. | 2023/XX/21: Gift was sufficiently documented per guidelines. Exception cleared. |
| 6452449262 | Base | XXX | XXX | XXX | 29373635 | credit | 1 | Asset documentation requirements not met. |  | Recent bank statement from the gift funds donor to support ability to give gift funds was not provided. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Check from donor provided to Escrow provided. |
| 6452449262 | Base | XXX | XXX | XXX | 29373636 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Recent bank statement from the gift funds donor to support ability to give gift funds was not provided. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Check from donor provided to Escrow provided. |
| 6452449262 | Base | XXX | XXX | XXX | 29373637 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Recent bank statement from the gift funds donor to support ability to give gift funds was not provided. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Check from donor provided to Escrow provided. |
| 6452449262 | Base | XXX | XXX | XXX | 29373638 | credit | 1 | Guideline Requirement: Number of units discrepancy. | Appraisal number of units of does not match Guideline number of units of 1. | A full appraisal report is required and is missing. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Appraisal provided. Cleared. |
| 6452449262 | Base | XXX | XXX | XXX | 29373639 | credit | 3 | Guideline Requirement: Property type discrepancy. | Appraisal property type of Single Family Detached does not match Guideline property type of PUD. | Appraisal reflects the subject as Single Family when Final Title reflects it was a PUD and the Security Instrument contains a PUD Rider. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/28: The 1004 reflects the subject property as Single Family Detached, However the Security Instrument indicated a Planned Unit Development accompanied by a Planned Unit Development Rider.<br>2023/XX/22: EXCEPTION HISTORY - Exception Explanation was updated on 08/XX/2023 PRIOR Exception Explanation: Appraisal property type of does not match Guideline property type of PUD. |
| 6452449262 | Base | XXX | XXX | XXX | 29373640 | compliance | 1 | Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies. |  | A full appraisal report is required and is missing. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Appraisal provided. Cleared. |
| 6452449262 | Base | XXX | XXX | XXX | 29373641 | credit | 1 | AUS/Guideline Findings: All conditions were not met |  | A full appraisal report is required and is missing. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Appraisal provided. Cleared. |
| 6452449262 | Base | XXX | XXX | XXX | 29373642 | credit | 1 | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | File is missing the borrower's most recent 12 month rental history as required by lender guides. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: 13 cancelled checks in file from borrowers XXX account to cover timely satisfactory rent payment history covering March 2018 - Mach 2019. > 12 months rent history documented as required. | 2023/XX/28: Trailing documents reviewed unable to clear.<br>2023/XX/21: 13 months cancelled checks provided in order to meet rental history documentation. |
| 6452449262 | Base | XXX | XXX | XXX | 29373643 | credit | 1 | Income Docs Missing: | Borrower: XXX Course Transcripts, Diploma | File is missing the required school documentation for the co-borrower. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: Transcripts are in file for XXX covering Summer and Fall 2016 as well as transcript in file for XXX that covers 1/XX/2017 when program entered and 11/XX/2017 completion date when AS in XXX was earned. | 2023/XX/13: Please provide College Diploma for XXX.<br>2023/XX/28: Trailing documents reviewed unable to clear.<br>2023/XX/21: Course Transcripts were in file from XXX and XXX. Transcripts from XXX reflect degree in XXX. Exception cleared. |
| 6452449262 | Base | XXX | XXX | XXX | 29373644 | credit | 3 | Missing Lender's Initial 1003/Application. |  | File is missing a fully executed initial application. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449262 | Base | XXX | XXX | XXX | 29373645 | compliance | 3 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/12402430) | File is missing Diploma for XXX. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM | 2023/XX/18: Transcripts are in file for XXX covering Summer and Fall 2016 as well as transcript in file for XXX that covers 1/XX/2017 when program entered and 11/XX/2017 completion date when AS in XXX was earned. | 2023/XX/28: Trailing documents reviewed unable to clear.<br>2023/XX/21: Unable to clear due to discrepancy in property type and missing explanation for gap from 11/XX/2017 to 3/XX/2018. |
| 6452449262 | Base | XXX | XXX | XXX | 29373646 | compliance | 1 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/12402429) | Required explanation for the co-borrower's gap greater than 30 days from 11/XX/2017 to 3/XX/2018 was not found as required per Appendix Q. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Provided Post Close. Clear |
| 6452449262 | Base | XXX | XXX | XXX | 29373647 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | File is missing Diploma for CoBorrower. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | Non QM | 2023/XX/18: Transcripts are in file for XXX covering Summer and Fall 2016 as well as transcript in file for XXX that covers 1/XX/2017 when program entered and 11/XX/2017 completion date when AS in XXX was earned. | 2023/XX/28: Trailing documents reviewed unable to clear.<br>2023/XX/21: Unable to clear due to discrepancy in property type and missing explanation for gap from 11/XX/2017 to 3/XX/2018.<br>2023/XX/22: EXCEPTION HISTORY - Exception Detail was updated on 08/XX/2023 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. |
| 6452449262 | Base | XXX | XXX | XXX | 29373648 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/04/XX/2019) | Earlier receipt of disclosure not provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451249 | Base | XXX | XXX | XXX | 29373784 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area post-close. File is missing a post disaster inspection report. |  |  |  | 6/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: BPO provided does not reflect damage. |
| 6452451249 | Base | XXX | XXX | XXX | 29373785 | compliance | 3 | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) | File is missing a year to date P&L and balance sheet for the most recent quarter. |  |  |  | 6/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451249 | Base | XXX | XXX | XXX | 29373786 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016) | Evidence of borrower's receipt of the appraisal was not included in the loan file. |  |  |  | 6/XX/2016 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451249 | Base | XXX | XXX | XXX | 29373787 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Failure due to missing income documents |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2016 |  | CA | Purchase | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451249 | Base | XXX | XXX | XXX | 29373789 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Arm disclosure is missing from the file and evidence of borrower's receipt |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 6/XX/2016 | 6/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451249 | Base | XXX | XXX | XXX | 29373790 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Require Consumer Handbook on Adjustable Rate Mortgages Disclosure. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 6/XX/2016 | 6/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449658 | Base | XXX | XXX | XXX | 29373900 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  | Income, Assets, Note, Security instrument, LE, CD and Initial/Final 1003's are missing. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/02: Received majority of documentation. Updated exceptions set for remaining missing docs. |
| 6452449658 | Base | XXX | XXX | XXX | 29373901 | compliance | 1 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2019 | 4/XX/2020 | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Provided |
| 6452449658 | Base | XXX | XXX | XXX | 29373902 | compliance | 1 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2019 | 4/XX/2020 | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Provided |
| 6452449658 | Base | XXX | XXX | XXX | 29373903 | credit | 1 | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX |  |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Appraisal provided. |
| 6452449658 | Base | XXX | XXX | XXX | 29373904 | credit | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard insurance coverage is insufficient and a Replacement Cost Estimator was not provided. In addition, the document provided is an estimate only. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: RCE provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373905 | credit | 1 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX |  |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Fraud report provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373906 | credit | 1 | Missing Document: Flood Certificate not provided |  |  |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Flood Certificate provided. |
| 6452449658 | Base | XXX | XXX | XXX | 29373908 | credit | 1 | Missing Document: Appraisal not provided |  |  |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Appraisal provided. |
| 6452449658 | Base | XXX | XXX | XXX | 29373909 | credit | 3 | Missing Document: Drive By not provided |  |  |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449658 | Base | XXX | XXX | XXX | 29373910 | credit | 1 | REO Documents are missing. | Address: XXX, CA Lease Agreement |  |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Lease agreement provided. |
| 6452449658 | Base | XXX | XXX | XXX | 29373911 | credit | 1 | Missing Document: Source of Funds/Deposit not provided |  | File is missing a copy of the wire/check from the fiance to the title company for the $XXX. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Wire provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373912 | compliance | 1 | Rental Income Documentation - 25% Method | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement not provided or % of gross rents used is greater than 75%. (XXX/25% Vacancy Method) | File is missing evidence borrower has 75% equity in the departure residence. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Lease/appraisal provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373913 | compliance | 1 | Rental Income Vacating Primary | Qualified Mortgage (Dodd-Frank 2014): Analysis of Rental income requirement not met. Borrower's current address matches the REO property address. (XXX/25% Vacancy Method) | Per lender guides, the following is required for borrower's departure residence: A copy of the fully executed Lease Agreement and receipt of a security deposit from the Tenant and deposit into the Borrower's account. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Lease/appraisal provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373914 | compliance | 1 | General Ability To Repay Provision Income and Assets - REO 25% Method | Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (XXX/25% Vacancy Method) | Lease Agreement is missing, evidence of borrower's receipt of the security deposit and proof borrower has 75% equity in the property. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Lease/appraisal provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373916 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. | Lender is using a lower amount for the real estate taxes on the subject property. California properties require a 1.25% calculation for real estate taxes. There is no evidence in the file of lower real estate taxes which is causing the excessive debt ratio. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Lease/appraisal provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373917 | compliance | 1 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2019) | Evidence of borrower's earlier receipt was not provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Provided |
| 6452449658 | Base | XXX | XXX | XXX | 29373919 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7507) | Second Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449658 | Base | XXX | XXX | XXX | 29373920 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | Tax Service Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449658 | Base | XXX | XXX | XXX | 29373921 | credit | 3 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 09/XX/2018 |  |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM | 2023/XX/18: Agree. | 2023/XX/21: VVOE within 10 business days not provided as required. Exception remains. |
| 6452449658 | Base | XXX | XXX | XXX | 29373922 | credit | 1 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.36064% exceeds Guideline total debt ratio of 43.00000%. | Hazard Insurance premium utilized $XXX. Actual premium per HOI is $XXX. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Safe Harbor QM | 2023/XX/18: Disagree; the final DTI per the final 1008 is 42.764% which consists of $XXX PITIA and $XXX all other payments against the calculated income of $XXX. | 2023/XX/21: DTI within guidelines once Note Rate was used in qualifying per guidelines. |
| 6452449658 | Base | XXX | XXX | XXX | 29373923 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Updated Guidelines used. Income documents Lease for rental property not located in file. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Lease/appraisal provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373924 | compliance | 1 | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.36064% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Lender is using a lower amount for the real estate taxes on the subject property. California properties require a 1.25% calculation for real estate taxes. There is no evidence in the file of lower real estate taxes which is causing the excessive debt ratio. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Lease/appraisal provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373925 | credit | 1 | Missing Document: Hazard Dec Page not provided |  | File is missing the actual Hazard insurance policy. The documentation provided is an insurance estimate. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: HOI Policy provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373926 | compliance | 1 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock is missing from the loan file. |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/13: Rate lock provided. Cleared. |
| 6452449658 | Base | XXX | XXX | XXX | 29373927 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2019 | 4/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449658 | Base | XXX | XXX | XXX | 29373928 | compliance | 2 | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2019 | 4/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449658 | Base | XXX | XXX | XXX | 29373929 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/04/XX/2019) | Proof of receipt of appraisal was not provided. |  | There is generally no Assignee Liability. |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449658 | Base | XXX | XXX | XXX | 29373930 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 4/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM | 2023/XX/18: Disagree; XXX guidelines did not require a re-inspection for this property prior to loan closing. | 2023/XX/21: An inspection is required for properties in which the most recent valuation inspection date is prior to the Disaster Declaration End Date. Inspection not found in order to clear the exception. |
| 6452450225 | Base | XXX | XXX | XXX | 29374107 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Subject property was appraised on XX/XX/XXXX prior to the FEMA disaster (XXX) dated XX/XX/XXXX through XX/XX/XXXX. File is missing a property inspection dated after the disaster, or the lender's Rep and Warranty attestation along with visible confirmation that the subject property was not damaged. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374108 | credit | 1 | Borrower has less than 2 FICO scores |  | incomplete Credit report was provided no Fico scores in the document |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374109 | credit | 1 | REO Documents are missing. | Address: XXX, CA, Address: XXX, CA, Address: XXX, CA, Address: XXX, CA, Address: XXX, CA, Address: XXX, CA Insurance Verification, Tax Verification<br> Insurance Verification, Tax Verification<br> Tax Verification<br> Insurance Verification, Tax Verification<br> Insurance Verification, Tax Verification<br> Insurance Verification, Tax Verification | Insurance and tax verification documents not in the file to verify amounts |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374110 | compliance | 1 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) | Business license or recent years 1040 document missing |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/13: Balance sheet in file, exception cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374111 | compliance | 1 | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/12401928) | Recent year 1040 document missing |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374112 | compliance | 1 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. XXX/Schedule E) | QM loans require a lease agreement, which is missing from the loan file, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: unable to locate lease for XXX property, Schedule E identifies property as Multi-Family Residence<br>2023/XX/25: Agree with error | 2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: Lease was located in the file. Condition cleared.<br>2023/XX/25: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450225 | Base | XXX | XXX | XXX | 29374113 | compliance | 1 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) | QM loans require a lease agreement, which is missing from the loan file, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: unable to locate lease for XXX property, Schedule E identifies property as Multi-Family Residence<br>2023/XX/25: Agree with error | 2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/25: No supporting trailing documentation was provided to clear this exception. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450225 | Base | XXX | XXX | XXX | 29374114 | compliance | 1 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) | QM loans require a lease agreement, which is missing from the loan file, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: unable to locate lease for XXX property, Schedule E identifies property as SFR<br>2023/XX/25: Agree with error | 2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/25: No supporting trailing documentation was provided to clear this exception. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450225 | Base | XXX | XXX | XXX | 29374115 | compliance | 1 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) | QM loans require a lease agreement, which is missing from the loan file, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374116 | compliance | 1 | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) | A P&L statement is missing from the file, which is required for QM loans, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374117 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA disclosure document not provided |  | There is no Assignee Liability. |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450225 | Base | XXX | XXX | XXX | 29374118 | compliance | 2 | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. | Individual Loan Originator not NMLS licensed or registered at time of application. |  | "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages.<br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation." |  | 1/XX/2019 | 1/XX/2022 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450225 | Base | XXX | XXX | XXX | 29374119 | compliance | 1 | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/S-Corp) | The P&L statement provided in the file is borrower prepared and QM requires it to be audited or third party prepared, causing the loan to waterfall through the QM Testing. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/13: Missing lease agreements for rental income, missing P&L and balance sheets for S-Corp., and calculated dti exceeds max allowable dti per guidelines, exceptions remains.<br>2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374121 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is missing income, asset and credit documents and the DTI exceeds the maximum allowed, causing the loan to waterfall through the QM Testing. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/03: Failure due to the exclusion of the 3 XXX accounts (paid by business) which is not Safe Harbor compliant and missing the 3 leases as previously exceptioned.<br>2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: EXCEPTION HISTORY - Exception Detail was updated on 09/XX/2023 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450225 | Base | XXX | XXX | XXX | 29374122 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2019 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (Final/01/XX/2019) | Final Closing Disclosure provided on 01/XX/2019 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2019 | 1/XX/2020 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450225 | Base | XXX | XXX | XXX | 29374123 | compliance | 2 | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/11/XX/2018) | Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2019 | 1/XX/2020 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450225 | Base | XXX | XXX | XXX | 29374124 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2019 | 1/XX/2020 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450225 | Base | XXX | XXX | XXX | 29374125 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75197) | Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2019 | 1/XX/2020 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450225 | Base | XXX | XXX | XXX | 29374126 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564) | Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2019 | 1/XX/2020 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450225 | Base | XXX | XXX | XXX | 29374127 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 1/XX/2019 | 1/XX/2020 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  | 2023/XX/30: Missing CHARM Booklet provided within 3 days of application. |
| 6452450225 | Base | XXX | XXX | XXX | 29374128 | credit | 1 | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of is less than Guideline representative FICO score of 700. | Credit report was not in the file to verify Credit score |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374129 | credit | 1 | Missing Document: Credit Report not provided |  | Missing Full Credit Report |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374130 | credit | 1 | Asset documentation requirements not met. |  | The qualifying income included asset utilization source of income in the amount of $XXX; however, the file is missing all the of asset verification for the accounts used for qualifying. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374131 | credit | 1 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 60.93413% exceeds Guideline total debt ratio of 43.00000%. | The qualifying income included asset utilization source of income in the amount of $XXX; however, the file is missing all the of asset verification for the accounts used for qualifying. Excluding the asset utilization source of income, the DTI exceeds the maximum allowed by guidelines. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374132 | credit | 1 | Income documentation requirements not met. |  | The qualifying income included asset utilization source of income in the amount of $XXX; however, the file is missing all the of asset verification for the accounts used for qualifying. Excluding the asset utilization source of income, the DTI exceeds the maximum allowed by guidelines. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374133 | credit | 1 | AUS/Guideline Findings: All conditions were not met |  | The qualifying income included asset utilization source of income in the amount of $XXX; however, the file is missing all the of asset verification for the accounts used for qualifying. Excluding the asset utilization source of income, the DTI exceeds the maximum allowed by guidelines. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374134 | compliance | 1 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The guidelines require 10/1 ARMS to be qualified using the Note rate, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374135 | compliance | 1 | General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 60.93413% and based on 1026.43(c)(5) of 66.86% significantly exceed the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The qualifying income included asset utilization source of income in the amount of $XXX; however, the file is missing all the of asset verification for the accounts used for qualifying. Excluding the asset utilization source of income, the DTI exceeds the maximum allowed by guidelines, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/13: Missing lease agreements for rental income, missing P&L and balance sheets for S-Corp., and calculated dti exceeds max allowable dti per guidelines, exceptions remains.<br>2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374136 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The qualifying income included asset utilization source of income in the amount of $XXX; however, the file is missing all the of asset verification for the accounts used for qualifying, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/13: Missing lease agreements for rental income, missing P&L and balance sheets for S-Corp., and calculated dti exceeds max allowable dti per guidelines, exceptions remains.<br>2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374137 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | The qualifying income included asset utilization source of income in the amount of $XXX; however, the file is missing all the of asset verification for the accounts used for qualifying. Excluding the asset utilization source of income, the DTI exceeds the maximum allowed by guidelines, causing the loan to waterfall through the QM Testing. |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374138 | compliance | 1 | Appendix Q Liabilities – Invalid Exclusion Basis | Qualified Mortgage (Dodd-Frank 2014): One or more liabilities have been excluded from DTI calculation for a prohibited reason. | Documentation was provided to verify the business makes payments for three installment loans; however, this doesn't meet QM requirements, causing the loan to waterfall through the QM testing. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: unable to support exclusion of debts on QM loan.<br>2023/XX/25: Agree with error | 2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450225 | Base | XXX | XXX | XXX | 29374139 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is missing income, asset and credit documents and the DTI exceeds the maximum allowed, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/13: Missing lease agreements for rental income, missing P&L and balance sheets for S-Corp., and calculated dti exceeds max allowable dti per guidelines, exceptions remains.<br>2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374140 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) |  |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: All asset documentation requirements met to support required reserve level of 9 months PITIA and zero funds to close required. XXX investment account and XXX IRA support $XXX for adjusted liquidity reserves taking 70% of the investment account and 60% of the IRA which equates to 142 months PITIA<br>2023/XX/05: Provided UW Income Workbook, Asset Utilization Calculation, 1003, 1008. Note: There are $XXX est reserves documented in file and used for qualifyication. Only $XXX est was required for reserves.<br>2023/XX/25: Disagree; Provided UW Income Workbook, Asset Utilization Calculation, 1003, 1008. Note: There are $XXX est reserves documented in file and used for qualifyication. Only $XXX est was required for reserves. | 2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: Loan was submitted with a loan designation of Safe Harbor QM. Asset Depletion income is not permitted under Safe Harbor loan designation. Condition remains.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450225 | Base | XXX | XXX | XXX | 29374141 | compliance | 1 | General Ability To Repay Provision Non QM DTI moderately exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 45.15% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: All asset documentation requirements met to support required reserve level of 9 months PITIA and zero funds to close required. XXX investment account and XXX IRA support $XXX for adjusted liquidity reserves taking 70% of the investment account and 60% of the IRA which equates to 142 months PITIA<br>2023/XX/05: Provided UW Income Workbook, Asset Utilization Calculation, 1003, 1008. Note: There are $XXX est reserves documented in file and used for qualifyication. Only $XXX est was required for reserves.<br>2023/XX/25: Disagree; Provided UW Income Workbook, Asset Utilization Calculation, 1003, 1008. Note: There are $XXX est reserves documented in file and used for qualifyication. Only $XXX est was required for reserves. | 2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: Received lender's asset depletion worksheet, however the income used is higher than due diligence calculated. DTI of 44.47% still exceeds the maximum of 43%. Assets used for AD income are $XXX with a 15 year amortization equaling $XXX/mo income.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br>2023/XX/03: Received required documentation. Condition cleared. |
| 6452450225 | Base | XXX | XXX | XXX | 29374142 | compliance | 3 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Client elects to restate loan designation to Non QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450225 | Base | XXX | XXX | XXX | 29374143 | compliance | 3 | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 44.47497% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450225 | Base | XXX | XXX | XXX | 29374144 | credit | 3 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 44.47497% exceeds Guideline total debt ratio of 43.00000%. | DTI exceeds maximum due to qualification method. |  |  |  | 1/XX/2019 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449117 | Base | XXX | XXX | XXX | 29374175 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in this loan file. |  |  |  | 9/XX/2020 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449117 | Base | XXX | XXX | XXX | 29374176 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 9/XX/2020 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452449117 | Base | XXX | XXX | XXX | 29374177 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/09/XX/2020) | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  | There is generally no Assignee Liability. |  | 9/XX/2020 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449117 | Base | XXX | XXX | XXX | 29374178 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 9/XX/2020 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449117 | Base | XXX | XXX | XXX | 29374179 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/09/XX/2020) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2020 | 9/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449117 | Base | XXX | XXX | XXX | 29374181 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2020 | 9/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449117 | Base | XXX | XXX | XXX | 29374182 | property | 3 | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: 09/XX/2020 |  |  |  |  | 9/XX/2020 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449117 | Base | XXX | XXX | XXX | 29374183 | credit | 3 | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXX // Account Type: Savings / Account Number: XXX | Two months required per guidelines. |  |  |  | 9/XX/2020 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449066 | Base | XXX | XXX | XXX | 29374277 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | File is missing a signed/dated initial appraisal disclosure dated within 3 business days of the application |  | There is generally no Assignee Liability. |  | 7/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449066 | Base | XXX | XXX | XXX | 29374278 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 7/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/31: Received BPO. Condition cleared. |
| 6452449066 | Base | XXX | XXX | XXX | 29374279 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | File is missing signed/dated initial application |  |  |  | 7/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449066 | Base | XXX | XXX | XXX | 29374280 | credit | 3 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard coverage of $XXX is insufficient to cover the loan amount of $XXX. |  |  |  | 7/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449066 | Base | XXX | XXX | XXX | 29374281 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 07/XX/2014 |  |  |  |  | 7/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449066 | Base | XXX | XXX | XXX | 29374282 | credit | 3 | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: XXX // Account Type: Savings / Account Number: XXX | File is missing an updated consecutive bank statement for this account. Account is required to cover reserves. |  |  |  | 7/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449066 | Base | XXX | XXX | XXX | 29374283 | credit | 3 | REO Documents are missing. | Address: XXX, CA, Address: XXX, CA Statement<br> Statement | File is missing current mortgage statements for these 2 properties. |  |  |  | 7/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450052 | Base | XXX | XXX | XXX | 29374292 | credit | 3 | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: XXX |  |  |  |  | 2/XX/2017 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450052 | Base | XXX | XXX | XXX | 29374293 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 2/XX/2017 |  | CA | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/31: Received BPO. Condition cleared. |
| 6452450052 | Base | XXX | XXX | XXX | 29374294 | credit | 3 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 47.02723% exceeds Guideline total debt ratio of 43.00000%. | Per the final 1008 in the file, Lender used total monthly payments of $XXX to calculate a DTI of 44.232% (which also exceeds the guideline maximum of 43%); however, the total of all monthly payments during review is $XXX (Subject property negative cash flow of $$XXX + credit debt of $XXX + spousal support of $XXX per month) resulting in a DTI of 47.02723%, which exceeds the maximum allowable DTI under expanded guidelines of 43%. |  |  |  | 2/XX/2017 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450052 | Base | XXX | XXX | XXX | 29374295 | credit | 3 | Income Docs Missing: | Borrower: XXX Third Party Verification | Guidelines require third party verification dated within 21 days of the Note date for all businesses. File is missing evidence of third party verification for the second business listed on the final 1003. |  |  |  | 2/XX/2017 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374375 | compliance | 3 | Overtime Bonus 2Yr Calc | Qualified Mortgage (Dodd-Frank 2014): Use of Overtime/Bonus income for less than two (2) years not justified or documented in writing. (XXX XXX/Bonus) | Written verification of employment provided in loan file reflects "see attached" but missing other page. Unable to determine/verify prior year bonus income due to missing documentation. |  |  |  | 4/XX/2017 |  | WA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374376 | compliance | 3 | Overtime Bonus Declining | Qualified Mortgage (Dodd-Frank 2014): Use of continual decline in income for Overtime/Bonus not justified or documented. (XXX XXX/Bonus) | Written verification of employment provided in loan file reflects "see attached" but missing other page. Unable to determine/verify prior year bonus income due to missing documentation. |  |  |  | 4/XX/2017 |  | WA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374377 | compliance | 3 | Overtime Bonus Method of Calculation | Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. (XXX XXX/Bonus) | Written verification of employment provided in loan file reflects "see attached" but missing other page. Unable to determine/verify prior year bonus income due to missing documentation. |  |  |  | 4/XX/2017 |  | WA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374378 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2017) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 4/XX/2017 |  | WA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374379 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | 4/XX/2017 |  | WA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374380 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exception have been cured/ cleared. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2017 |  | WA | Purchase | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374381 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 4/XX/2017 |  | WA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374382 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/04/XX/2017) | Closing Disclosure dated 04/XX/2017 was not provided to Borrower(s) at least three business days prior to closing 04/XX/2017. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2017 | 5/XX/2018 | WA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374384 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. A copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2017 | 5/XX/2018 | WA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374385 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2017 | 5/XX/2018 | WA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374386 | compliance | 3 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | The DTI of 43.17542% exceeds the QM maximum of 43.00% |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 4/XX/2017 |  | WA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374387 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | Initial 1003 in loan file is missing borrowers signature and date. |  |  |  | 4/XX/2017 |  | WA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449837 | Base | XXX | XXX | XXX | 29374388 | credit | 3 | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. |  |  |  | 4/XX/2017 |  | WA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449482 | Base | XXX | XXX | XXX | 29374561 | credit | 1 | Missing Document: Credit Report not provided |  | Credit report missing for both borrowers. |  |  |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/02: Credit report was provided. |
| 6452449482 | Base | XXX | XXX | XXX | 29374562 | credit | 3 | Missing Document: Fraud Report not provided |  | Fraud Report is missing for both borrowers. |  |  |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449482 | Base | XXX | XXX | XXX | 29374563 | credit | 1 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/02: Not required. |
| 6452449482 | Base | XXX | XXX | XXX | 29374564 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | There is damage for property hence updated as per the appraisal report. |  |  |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/01: BPO provided does not reflect damage. |
| 6452449482 | Base | XXX | XXX | XXX | 29374565 | credit | 3 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX | Credit report missing for both borrowers. |  |  |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449482 | Base | XXX | XXX | XXX | 29374566 | credit | 3 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX | Fraud Report is missing for both borrowers. |  |  |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449482 | Base | XXX | XXX | XXX | 29374567 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/03/XX/2019) | Verification appraisal was delivered to borrower was not provided. |  | There is generally no Assignee Liability. |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449482 | Base | XXX | XXX | XXX | 29374568 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | File is missing credit report. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/02: Credit report was provided. |
| 6452449482 | Base | XXX | XXX | XXX | 29374569 | compliance | 1 | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXX/12402134) | Credit report was not provided. |  |  |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/02: Credit report was provided. |
| 6452449482 | Base | XXX | XXX | XXX | 29374570 | compliance | 1 | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXX/12402135) | Credit Report was not provided. Liabilities consider from the final 1003 document. |  |  |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/02: Credit report was provided. |
| 6452449482 | Base | XXX | XXX | XXX | 29374571 | credit | 3 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXX. Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449482 | Base | XXX | XXX | XXX | 29374572 | compliance | 1 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Qualification rate = Note Rate per guidelines. |  |  |  | 4/XX/2019 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/02: Credit report was provided. |
| 6452449482 | Base | XXX | XXX | XXX | 29374573 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449452 | Base | XXX | XXX | XXX | 29374640 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2017) | No proof of appraisal being sent to borrower 3 days prior to closing. |  |  |  | 7/XX/2017 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449452 | Base | XXX | XXX | XXX | 29374641 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/07/XX/2017) | The Initial Closing Disclosure provided on 07/XX/2017 was not provided at least 3 days prior to closing date of 07/XX/2017. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2017 | 7/XX/2018 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449452 | Base | XXX | XXX | XXX | 29374643 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Require E-Sign Consent Agreement. |  |  |  | 7/XX/2017 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449452 | Base | XXX | XXX | XXX | 29374644 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area post-close. There is no end declared date for the disaster as of yet. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 7/XX/2017 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: BPO provided does not state condition of property. Exception remains.<br>2023/XX/02: Received BPO. Condition cleared. |
| 6452449452 | Base | XXX | XXX | XXX | 29374645 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Income documentation missing from the loan file, causing the loan to waterfall through the QM Testing. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2017 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Disagree; provided 2016 proof of filing extension with supporting docs, along with CPA letter to validate 2017 tax return amounts. Also provided Notepad log showing requirements for when IRS rejects transcript request with requirements to waive transcripts and UW Manager notes that she reviewed extension for 2016 and CPA letter for 2017 and waived the transcripts, which was allowed by XXX guidelines, see RLU-NA 302-1.6.4 "IRS REJECTION OF TAX TRANSCRIPT REQUEST DUE<br> TO... OTHER CONCERNS" | 2023/XX/22: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/15: File is missing third party verification dated within 30 days prior to closing date verifying dates of operation and good standing status for all business entities.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br>2023/XX/24: Loan is NonQM. |
| 6452449452 | Base | XXX | XXX | XXX | 29374646 | compliance | 1 | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXX XXX/Schedule K-1 less than 25 Percent) | The file is missing the tax transcripts, causing the loan to waterfall through the QM Testing. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 7/XX/2017 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: Borrower provided evidence of husband passing, detail loe provided verifying reason for not able to obtain transcripts due to amendments. Evidence of 2016 extension has been provided and also evidence of payment paid to IRS for any estaimated amount owed for 2016. Signed 4506t is also provided in the file.<br>2023/XX/25: Disagree; provided 2016 proof of filing extension with supporting docs, along with CPA letter to validate 2017 tax return amounts. Also provided Notepad log showing requirements for when IRS rejects transcript request with requirements to waive transcripts and UW Manager notes that she reviewed extension for 2016 and CPA letter for 2017 and waived the transcripts, which was allowed by XXX guidelines, see RLU-NA 302-1.6.4 "IRS REJECTION OF TAX TRANSCRIPT REQUEST DUE<br> TO... OTHER CONCERNS" | 2023/XX/22: Missing signed and dated 2016 personal tax returns or 2016 Tax Transcripts. Condition remains.<br>2023/XX/15: File is missing third party verification dated within 30 days prior to closing date verifying dates of operation and good standing status for all business entities<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br>2023/XX/24: Guidelines have been met for K-1 income documentation or are silent and do not defer to Fannie. No violation. Exception cleared. |
| 6452449452 | Base | XXX | XXX | XXX | 29374648 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 06/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule K-1 less than 25 Percent) | 2016 tax return with all Schedules not provided. Only tax return extension was provided, causing the loan to waterfall through the QM Testing. |  |  |  | 7/XX/2017 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/15: The EV2 exception is for informational purposes. The reason for the exception is due to the recency of the tax returns provided. |
| 6452449452 | Base | XXX | XXX | XXX | 29374649 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 06/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule K-1 less than 25 Percent) | 2016 tax return with all Schedules not provided. Only tax return extension was provided, causing the loan to waterfall through the QM Testing. |  |  |  | 7/XX/2017 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/15: The EV2 exception is for informational purposes. The reason for the exception is due to the recency of the tax returns provided. |
| 6452449452 | Base | XXX | XXX | XXX | 29374650 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 06/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule K-1 less than 25 Percent) | 2016 tax return with all Schedules not provided. Only tax return extension was provided, causing the loan to waterfall through the QM Testing. |  |  |  | 7/XX/2017 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/15: The EV2 exception is for informational purposes. The reason for the exception is due to the recency of the tax returns provided. |
| 6452450055 | Base | XXX | XXX | XXX | 29374743 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The Property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage to subject property. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/01: PDI provided. Cleared. |
| 6452450055 | Base | XXX | XXX | XXX | 29374744 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 11/XX/2016 |  |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450055 | Base | XXX | XXX | XXX | 29374745 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Missing CHARM Booklet Disclosure in the file |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2016 | 12/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450055 | Base | XXX | XXX | XXX | 29374747 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Missing E-sign Agreement in the file. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450055 | Base | XXX | XXX | XXX | 29374748 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2016) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450055 | Base | XXX | XXX | XXX | 29374749 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2017). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold. (Final/12/XX/2016) | Final Closing Disclosure provided on 12/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2017). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2016 | 12/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450055 | Base | XXX | XXX | XXX | 29374750 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2016 | 12/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450055 | Base | XXX | XXX | XXX | 29374751 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2016 | 12/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450055 | Base | XXX | XXX | XXX | 29374752 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7568) | Title Notary-Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2016 | 12/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450055 | Base | XXX | XXX | XXX | 29374753 | compliance | 1 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Per the guidelines, the 10/1 Arm product qualifies at the Note rate. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/13: No new documentation provided, exception remains.<br>2023/XX/01: Per the guidelines, the 10/1 ARM product qualifies at the Note rate which doesn't match the ATR payment calculation method under 1026.43(c)(5).<br>2023/XX/03: Client elects to restate loan designation to NonQM. |
| 6452450055 | Base | XXX | XXX | XXX | 29374754 | compliance | 1 | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 43.42453% and based on 1026.43(c)(5) of 46.81% moderately exceed the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The 1003 states the REO in India has a monthly payment of $XXX, which results in dti that exceeds guideline max of 43%. If the REO does not have a monthly payment, please provide an LOE for the amount on 1003 and correct 1003 to show free and clear. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: Concur: PITIA on XXX property not included in total liabilities and no documents verifying any reason to omit.<br>2023/XX/25: Agree with error | 2023/XX/03: The final 1003 reflects an additional property in XXX that the borrower owns which has a mortgage/payment secured. It appears the lender is not including this payment in the total DTI calculations. Condition remains.<br>2023/XX/22: Lender is unable to clear the condition. Exception remains open.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to NonQM. |
| 6452450055 | Base | XXX | XXX | XXX | 29374755 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The calculated dti exceeds the guideline max of 43% and the asset documentation provided for the gifts are insufficient. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: same as above. Concur: PITIA on XXX property not included in total liabilities and no documents verifying any reason to omit.<br>2023/XX/25: Agree with error | 2023/XX/03: The final 1003 reflects an additional property in XXX that the borrower owns which has a mortgage/payment secured. It appears the lender is not including this payment in the total DTI calculations. Condition remains.<br>2023/XX/22: Lender is unable to clear the condition. Exception remains open.<br>2023/XX/06: Gift funds were reflected on the final closing statement. Condition cleared. |
| 6452450055 | Base | XXX | XXX | XXX | 29374756 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | The calculated dti exceeds the guideline max of 43% and the asset documentation provided for the gifts are insufficient, resulting in a loan designation of ATR Risk. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: same as above. Concur: PITIA on XXX property not included in total liabilities and no documents verifying any reason to omit.<br>2023/XX/25: Agree with error | 2023/XX/03: The final 1003 reflects an additional property in XXX that the borrower owns which has a mortgage/payment secured. It appears the lender is not including this payment in the total DTI calculations. Condition remains.<br>2023/XX/22: Lender is unable to clear the condition. Exception remains open.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to Non QM |
| 6452450055 | Base | XXX | XXX | XXX | 29374757 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | The 1003 states the REO in India has a monthly payment of $XXX, which results in dti that exceeds guideline max of 43%. |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: same as above. Concur: PITIA on XXX property not included in total liabilities and no documents verifying any reason to omit.<br>2023/XX/25: Agree with error | 2023/XX/22: Lender is unable to clear the condition. Exception remains open.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to Non QM |
| 6452450055 | Base | XXX | XXX | XXX | 29374758 | credit | 1 | REO Documents are missing. | Address: XXX, Statement | Missing statement to verify PITIA. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 7/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/28: Verification of payment was provided. |
| 6452450055 | Base | XXX | XXX | XXX | 29374759 | credit | 1 | Asset documentation requirements not met. |  | Insufficient gift documentation provided, missing evidence of receipt. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: Concur: Unable to locate XXX gift fund receipt.<br>2023/XX/05: Agree with error. Unable to find escrow receipt for $XXX gift although it is shown on the final settlement statement as a deposit. | 2023/XX/28: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear the condition. Exception remains open.<br>2023/XX/06: Gift funds were reflected on the final closing statement. Condition cleared. |
| 6452450055 | Base | XXX | XXX | XXX | 29374760 | credit | 3 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.42453% exceeds Guideline total debt ratio of 43.00000%. | The 1003 states the REO in India has a monthly payment of $XXX, which results in dti that exceeds guideline max of 43%. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: same as above. Concur: PITIA on XXX property not included in total liabilities and no documents verifying any reason to omit.<br>2023/XX/25: Agree with error | 2023/XX/22: Lender is unable to clear the condition. Exception remains open.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450055 | Base | XXX | XXX | XXX | 29374761 | compliance | 3 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The calculated dti exceeds 43% and the gift documentation is insufficient to verify receipt of gift funds. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: same as above. Concur: PITIA on XXX property not included in total liabilities and no documents verifying any reason to omit.Unable to locate XXX gift fund receipt.<br>2023/XX/25: Agree with error | 2023/XX/22: Lender is unable to clear the condition. Exception remains open.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450055 | Base | XXX | XXX | XXX | 29374762 | compliance | 3 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Client elects to restate loan designation to Non QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450055 | Base | XXX | XXX | XXX | 29374763 | compliance | 3 | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.75676% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Updated qualification method after designation switch. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449128 | Base | XXX | XXX | XXX | 29374896 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in the file. |  |  |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449128 | Base | XXX | XXX | XXX | 29374897 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Loan file is missing a Post-Disaster Inspection Report |  |  |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452449128 | Base | XXX | XXX | XXX | 29374898 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Evidence of disclosure receipt is not in file. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2017 | 12/XX/2018 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449128 | Base | XXX | XXX | XXX | 29374899 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Evidence of disclosure receipt is not in file. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2017 | 12/XX/2018 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449128 | Base | XXX | XXX | XXX | 29374900 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Evidence of disclosure receipt is not in file. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449128 | Base | XXX | XXX | XXX | 29374901 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | The Originator Loan Designation is Safe Harbor QM. However, the loan is missing self employed income documentation which resulted in a Due Diligence Loan Designation of Non QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449128 | Base | XXX | XXX | XXX | 29374902 | compliance | 3 | Self Employed Financial Strength | Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (XXX XXX/Schedule C) | Letter of explanation in file addressing the decline from one year to the other; however, it does not address why the YTD figure is down even more. Without additional information, the YTD average should have been utilized for qualifying. |  |  |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449128 | Base | XXX | XXX | XXX | 29374903 | compliance | 3 | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) | Self-employed documentation is insufficient due to missing signed and dated tax returns for both borrower and co-borrower, and balance sheets. |  |  |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449128 | Base | XXX | XXX | XXX | 29374904 | compliance | 3 | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) | Self-employed documentation is insufficient due to missing signed and dated tax returns for both borrower and co-borrower, and balance sheets. |  |  |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449128 | Base | XXX | XXX | XXX | 29374905 | compliance | 2 | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Mortgage payoff statement is not in file. |  |  |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450783 | Base | XXX | XXX | XXX | 29375100 | credit | 3 | Final Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of $XXX is less than the note amount of $XXX based on the Short Form in file. | The Final Title Policy Amount of $XXX is less than the note amount of $XXX based on the Short Form in file. There is a variance of ($XXX) |  |  |  | 3/XX/2020 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450783 | Base | XXX | XXX | XXX | 29375101 | credit | 3 | Income Docs Missing: | Borrower: XXX Third Party Verification | Income documentation requirements were not met. Due to missing supporting income documentation of borrower(s) Interest/Dividends and XXX Income. |  |  |  | 3/XX/2020 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450783 | Base | XXX | XXX | XXX | 29375102 | credit | 3 | Aged document: Primary Valuation is older than guidelines permit | Valuation Type: Appraisal / Valuation Report Date: 10/XX/2019 | Per, guidelines the Appraisal cannot be (120) days prior to the Note date. The Valuation Report date is 10/XX/2019 the Note Date is 03/XX/2020. |  |  |  | 3/XX/2020 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450783 | Base | XXX | XXX | XXX | 29375103 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification | Property XXX, is missing the real estate tax verification and insurance policy. |  |  |  | 3/XX/2020 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450783 | Base | XXX | XXX | XXX | 29375104 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Most recent property inspection report dated XX/XX/XXXXis after the FEMA disaster (XXX) dated XX/XX/XXXX but before the disaster end date of XX/XX/XXXX. File is missing a property inspection dated after the disaster declaration end date, or the lender's Rep and Warranty attestation along with visible confirmation that the subject property was not damaged. |  |  |  | 3/XX/2020 |  | CA | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452450783 | Base | XXX | XXX | XXX | 29375105 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2019) | Valuations were not provided to borrower(s) (3) days prior to loan consummation. |  |  |  | 3/XX/2020 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450783 | Base | XXX | XXX | XXX | 29375106 | credit | 3 | Income documentation requirements not met. |  | Income documentation requirements were not met. Due to missing supporting income documentation of borrower(s) Interest/Dividends and XXX Income. |  |  |  | 3/XX/2020 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450988 | Base | XXX | XXX | XXX | 29375221 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | Lender's initial 1003 missing in the file. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450988 | Base | XXX | XXX | XXX | 29375222 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Subject property was appraised on XX/XX/XXXX prior to the FEMA disaster (XXX) dated XX/XX/XXXX. File is missing a property inspection dated after the disaster, or the lander's Rep and warranty attestation along with visible confirmation that the subject property was not damaged. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452450988 | Base | XXX | XXX | XXX | 29375223 | property | 3 | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: 07/XX/2016 | Appraiser's license or certification was not active at the time of the appraisal expired before note date. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450988 | Base | XXX | XXX | XXX | 29375224 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 07/XX/2016 | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450988 | Base | XXX | XXX | XXX | 29375225 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | The file was missing evidence the CHARM Booklet was provided to borrower within 3 days of initial application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 7/XX/2016 | 7/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450988 | Base | XXX | XXX | XXX | 29375226 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2016) | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450988 | Base | XXX | XXX | XXX | 29375227 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2016) | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450988 | Base | XXX | XXX | XXX | 29375228 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/07/XX/2016) | Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2016 | 7/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450988 | Base | XXX | XXX | XXX | 29375230 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Loan Tie-In Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77176) | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2016 | 7/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450988 | Base | XXX | XXX | XXX | 29375231 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7726) | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2016 | 7/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375552 | credit | 3 | Income Docs Missing: | Borrower: XXX K-1 (2018) | XXX 2018 k-1 missing |  |  |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375553 | property | 3 | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: 06/XX/2019 | Appraiser's certification is missing |  |  |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375554 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Most recent inspection date is missing |  |  |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: BPO inspector unable to determine condition of property. Finding remains open.<br>2023/XX/04: BPO provided. |
| 6452450934 | Base | XXX | XXX | XXX | 29375555 | credit | 3 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Coverage shortfall of $XXX. |  |  |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375556 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2019) | We do not have evidence of valuation copy being provided to the borrower prior to 3 business days of closing. |  |  |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375557 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/06/XX/2019) | We do not have evidence of valuation copy being provided to the borrower prior to 3 business days of closing. |  |  |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375558 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 06/XX/2019, Most Recent Tax Return End Date 12/XX/2017, Tax Return Due Date 03/XX/2019. (XXX XXX/Partnership) | We have 2018 tax return extension in file however we need 2018 tax return in file. |  |  |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375559 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 06/XX/2019, Most Recent Tax Return End Date 12/XX/2017, Tax Return Due Date 03/XX/2019. (XXX XXX/Partnership) | We have 2018 tax return extension in file however we need 2018 tax return in file. |  |  |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375560 | compliance | 1 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | We need 2018 tax returns and third-party verification for partnership income. |  |  |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/04: Cleared |
| 6452450934 | Base | XXX | XXX | XXX | 29375561 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account was not provided to the borrower. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375562 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2167240) | On Final Closing Disclosure provided on 07/XX/2019 the escrow payment as $XXX instead of $XXX |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2019 | 7/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375563 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2019 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2167241) | On Final Closing Disclosure provided on 07/XX/2019 the escrow payment as $XXX instead of $XXX |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2019 | 7/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375564 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2019 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2167242) | On Final Closing Disclosure provided on 07/XX/2019 the escrow payment as $XXX instead of $XXX |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2019 | 7/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375565 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2019 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2167243) | On Final Closing Disclosure provided on 07/XX/2019 the escrow payment as $XXX instead of $XXX |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2019 | 7/XX/2020 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450934 | Base | XXX | XXX | XXX | 29375568 | property | 1 | The loan is to be securitized and the appraisal certification was not included in the provided valuation. Securitization valuations are required to be FIRREA/USPAP compliant. | Valuation Type: Appraisal / Valuation Report Date: 06/XX/2019 | Appraiser's certification for the secondary appraisal is missing in file. |  |  |  | 7/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: Client not securitizing loan. |
| 6452450424 | Base | XXX | XXX | XXX | 29375725 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Subject property was appraised on XX/XX/XXXX prior to the FEMA disaster XXX) dated XX/XX/XXXX through XX/XX/XXXX. File is missing a property inspection dated after the disaster, or the lender's Rep and Warranty attestation along with visible confirmation that the subject property was not damaged. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | ATR Fail |  | 2023/XX/01: Received BPO confirming no damage. |
| 6452450424 | Base | XXX | XXX | XXX | 29375726 | credit | 3 | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXX // Account Type: Stocks / Account Number: XXX, Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Stocks / Account Number: XXX, Financial Institution: XXX // Account Type: Stocks / Account Number: XXX | File is missing 2 consecutive months' statements dated within 90 days of Note date for accounts ending in XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: unable to locate updated assets statements to clear finding<br>2023/XX/25: Agree with error | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/25: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375727 | credit | 3 | REO Documents are missing. | Address: XXX, CA, Address: XXX, CA, Address: XXX, CA Insurance Verification<br> Insurance Verification<br> Insurance Verification | Insurance verification document is missing in file for all 3 additional REOs owned by borrowers. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: unable to locate insurance verification for the properites in question<br>2023/XX/25: Agree with error | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/25: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375728 | compliance | 3 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall exception due to missing the required income and asset documentation. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: Agree<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375729 | compliance | 3 | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/S-Corp) | File is missing third party verification of this business, along with the 2 years' most recent 1120s, K-1s and YTD P&L statement. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: unable to locate<br>2023/XX/25: Agree with error | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/25: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375730 | compliance | 3 | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) | File is missing verification of employment for borrower's XXX positions. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: unable to locate<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375731 | compliance | 3 | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) | File is missing verification of employment for borrower's XXX positions. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375732 | compliance | 3 | General Ability To Repay Provision Income and Assets - Asset Depletion Income | Ability to Repay (Dodd-Frank 2014): Unable to verity asset depletion income due to, bank statement provided was dated more than 90 days prior to closing. (XXX (employer unknown)/Asset Depletion) | Unable to verity asset depletion income due to, bank statements provided are all dated more than 90 days prior to to the Note date. Please provide two consecutive months' statements for all accounts used, dated within 90 days of Note date. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/13: Reviewed all trailing documents. The documents to clear the ATR exceptions were not among them. The ARM change notice was among the docs.<br>2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375734 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 03/XX/2016. (XXX XXX/S-Corp) | Missing 2 years' most recent tax returns for co-borrower's S-corp. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided. |
| 6452450424 | Base | XXX | XXX | XXX | 29375735 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 03/XX/2016. (XXX XXX/S-Corp) | Missing 2 years' most recent tax returns for co-borrower's S-corp. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided. |
| 6452450424 | Base | XXX | XXX | XXX | 29375736 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2016 | 11/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452450424 | Base | XXX | XXX | XXX | 29375737 | credit | 3 | The verification of employment is required and was not found in file. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 |  |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: note dated 11/XX/2016, VOE for XXX dated 11/XX/2016<br>2023/XX/25: Provided VOE for XXX dated 11/XX/2016. | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Additional information for this employer was not provided. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/25: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375738 | credit | 3 | The verification of employment is required and was not found in file. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 | Missing verification of employment for borrower's XXX positions. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: unable to locate<br>2023/XX/25: Agree with error | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375739 | compliance | 3 | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) | VOE for this employer was missing from the file. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: W2/Paystub in file and was used to calculate income<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: VVOE performed within ten days of the Note was not provided. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375740 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure provided is not signed or dated to determine it was delivered within 3 business days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 11/XX/2016 | 11/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452450424 | Base | XXX | XXX | XXX | 29375741 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 11/XX/2016 | 11/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452450424 | Base | XXX | XXX | XXX | 29375742 | credit | 3 | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 | Missing VVOE dated within 10 days of Note date for borrower's wage earner income used in income qualification. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: unable to locate<br>2023/XX/25: Agree with error | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375743 | credit | 3 | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 | Missing VVOE dated within 10 days of Note date for borrower's wage earner income used in income qualification. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: unable to locate<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375744 | credit | 1 | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2010 | Missing VVOE dated within 10 days of Note date for borrower's wage earner income used in income qualification. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Fail | 2023/XX/18: note dated 11/XX/2016, VOE for XXX dated 11/XX/2016 | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: VVOE located. Exception is clear. |
| 6452450424 | Base | XXX | XXX | XXX | 29375745 | credit | 3 | Verification(s) of employment is not within 10 calendar days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2011 | Missing VVOE dated within 10 days of Note date for borrower's wage earner income used in income qualification. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: unable to locate<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450424 | Base | XXX | XXX | XXX | 29375746 | credit | 3 | Income Docs Missing: | Borrower: XXX 1120S (2014), 1120S (2015), K-1 (2014), K-1 (2015), P&L Statement | File is missing the following income documentation for the co-borrower's 2 S-corp businesses: 2014 and 2015 1120s, 2014 and 2015 K-1s and YTD P&L for both businesses. |  |  |  | 11/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: unable to locate<br>2023/XX/25: Agree with error | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Lender is unable to clear condition. Exception remains open.<br>2023/XX/15: Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452449605 | Base | XXX | XXX | XXX | 29375748 | credit | 3 | E-sign Consent Agreement is missing. |  | E-sign consent is missing in loan file |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449605 | Base | XXX | XXX | XXX | 29375749 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after declared end date. |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452449605 | Base | XXX | XXX | XXX | 29375750 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet is missing in loan file |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2017 | 10/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449605 | Base | XXX | XXX | XXX | 29375751 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2017) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449605 | Base | XXX | XXX | XXX | 29375752 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Settlement / Closing / Escrow Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7555) | Fee increased without a valid change of circumstance. Cure was not provided at closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2017 | 10/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449605 | Base | XXX | XXX | XXX | 29375753 | credit | 3 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/2016 | The VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on 10/XX/2017. |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: WVOE for B2 dated 09/XX/2017, note dated 10/XX/2017<br>2023/XX/25: Agree with error | 2023/XX/02: VVOE provided is dated 10/XX/2016. Condition remains.<br>2023/XX/22: Per the guidelines, verbal verification of current employment is to be done within 10 days of the Note Date. Condition remains.<br>2023/XX/25: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452449605 | Base | XXX | XXX | XXX | 29375754 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | Initial Loan Application is not in file. |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449605 | Base | XXX | XXX | XXX | 29375755 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/10/XX/2017) | Evidence of receipt of initial CD 3 days prior to closing is not in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2017 | 10/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449605 | Base | XXX | XXX | XXX | 29375756 | compliance | 2 | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | Evidence of disclosure receipt is not in file. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2017 | 10/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449605 | Base | XXX | XXX | XXX | 29375757 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Evidence of disclosure receipt is not in file. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2017 | 10/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449605 | Base | XXX | XXX | XXX | 29375758 | credit | 3 | Income documentation requirements not met. |  | The VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on 10/XX/2017. |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/02: VVOE provided is dated 10/XX/2016. Condition remains.<br>2023/XX/22: Per the guidelines, verbal verification of current employment is to be done within 10 days of the Note Date. Condition remains.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452449605 | Base | XXX | XXX | XXX | 29375759 | compliance | 3 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on 10/XX/2017, causing the loan to waterfall through the QM Testing. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/02: VVOE provided is dated 10/XX/2016. Condition remains.<br>2023/XX/22: Per the guidelines, verbal verification of current employment is to be done within 10 days of the Note Date. Condition remains.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452449605 | Base | XXX | XXX | XXX | 29375760 | compliance | 3 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on 10/XX/2017, causing the loan to waterfall through the QM Testing. |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/02: VVOE provided is dated 10/XX/2016. Condition remains.<br>2023/XX/22: Per the guidelines, verbal verification of current employment is to be done within 10 days of the Note Date. Condition remains.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452449605 | Base | XXX | XXX | XXX | 29375761 | compliance | 3 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on 10/XX/2017, causing the loan to waterfall through the QM Testing. |  |  |  | 10/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/02: VVOE provided is dated 10/XX/2016. Condition remains.<br>2023/XX/22: Per the guidelines, verbal verification of current employment is to be done within 10 days of the Note Date. Condition remains.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452449002 | Base | XXX | XXX | XXX | 29376116 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match the first adjustment date for the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376117 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Taxes and Insurance Inaccurate | Truth in Lending Act (MDIA 2011): The "First Adjustment" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the escrow payment that may apply during the first rate adjustment of the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376118 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): The "First Adjustment" total payment amount (PITI) on the Final TIL does not match the total payment amount that may apply during the first rate adjustment of the loan. | Due to lender qualification method of 2% above the start rate fully amortized over 40 years not matching the qualification method required under ATR. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376119 | compliance | 2 | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities. | Per NMLS website, loan originator not found. |  |  |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376120 | compliance | 2 | TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. | Per NMLS website, loan originator not found. |  | Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages.<br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376121 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Lender qualification method of 2% above the start rate fully amortized over 40 years does not match the qualification method required under 1026.43(c)(5). |  |  |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376122 | compliance | 2 | RESPA (2010) - 10% Tolerance Without Cure | RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. | 10% tolerance violation with no cure provided. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376123 | credit | 3 | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail |  | 2023/XX/01: BPO provided prior to disaster end date does not reflect damage.<br>2023/XX/26: BPO provided prior to disaster end date does not reflect damage.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. A Post Disaster Inspection is required to verify no damage to the Subject. Exception remains. |
| 6452449002 | Base | XXX | XXX | XXX | 29376124 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376125 | compliance | 2 | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376126 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Document was provided 12/XX/2014, which is more than 3 business days after application date of 11/XX/2014. |  | There is generally no Assignee Liability. |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376127 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Document was provided 12/XX/2014, which is more than 3 business days after application date of 11/XX/2014. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376128 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | Document was provided 12/XX/2014, which is more than 3 business days after application date of 11/XX/2014. |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2016 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376129 | credit | 3 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 06/XX/1983 | VOE was not provided within 10 business day of the note. |  |  |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: Concur. Date of VVOE was 3/XX/15 and note was dated 3/XX/15. Borrower has been with employer since XXX and is a XXX. WVOE notes continued employment is "excellent."<br>2023/XX/25: Agree with error based on timing, but don't agree that a missing VOE significantly changes ATR impact based on the overall risk & quality of the transaction. | 2023/XX/02: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Rebuttal comment indicates client agrees with finding. Finding remains open.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452449002 | Base | XXX | XXX | XXX | 29376130 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan) | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376131 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Rate Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest rate on the Final TIL does not match the maximum interest rate that may apply during the first five (5) years of the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376132 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376133 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376134 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Payment Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest payment on the Final TIL does not match the maximum interest payment that may apply during the first five (5) years of the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376135 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Principal Payment Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" principal payment on the Final TIL does not match the maximum principal payment that may apply during the first five (5) years of the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376136 | compliance | 3 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall exception due to missing third party verification of borrower's LLC. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: Concur. However, LOE in file states that these entities have ownership in multiple properties. Income is increasing and ATR is met.<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/02: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Rebuttal comment indicates client agrees with finding. Finding remains open.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452449002 | Base | XXX | XXX | XXX | 29376137 | compliance | 3 | General Ability To Repay Provision Employment - Partnership Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/Partnership) | File is missing third party verification of borrower's LLC. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: Concur. However, LOE in file states that these entities have ownership in multiple properties. Income is increasing and ATR is met.<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/02: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Rebuttal comment indicates client agrees with finding. Finding remains open.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452449002 | Base | XXX | XXX | XXX | 29376139 | compliance | 2 | RESPA (2010) - 0% Tolerance (Line 802) Without Cure | RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided. | Zero percent fee tolerance with no cure provided. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449002 | Base | XXX | XXX | XXX | 29376140 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is in a FEMA disaster area. Provide a satisfactory post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX (XXX) Declared Disaster End Date. |  |  |  | 3/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452450402 | Base | XXX | XXX | XXX | 29376242 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  | 8/XX/2017 |  | CA | Refinance - Cash-out - Other | Investment | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/31: Received BPO. Condition cleared. |
| 6452449872 | Base | XXX | XXX | XXX | 29376267 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Post close disaster end date 10/XX/17. |  |  |  | 4/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452449872 | Base | XXX | XXX | XXX | 29376268 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in file |  |  |  | 4/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449872 | Base | XXX | XXX | XXX | 29376269 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2017) | Evidence of receipt of appraisal within 3 days of consummation not provided. |  |  |  | 4/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449872 | Base | XXX | XXX | XXX | 29376270 | credit | 3 | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $XXX. | Cash to Borrower: $XXX; Total Cash Out: $XXX; Refi Purpose: Rate/Term | As per 1008 refi purpose is rate/term but as per final CD cash to borrower is $XXX. |  |  |  | 4/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449872 | Base | XXX | XXX | XXX | 29376271 | compliance | 2 | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2017 | 4/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450365 | Base | XXX | XXX | XXX | 29376350 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2018) | Evidence the Appraisal was provided to the Borrower three days prior to closing is missing. |  |  |  | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450365 | Base | XXX | XXX | XXX | 29376352 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E sign agreement was not in the file. |  |  |  | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450835 | Base | XXX | XXX | XXX | 29376422 | credit | 3 | Income Docs Missing: | Borrower: XXX 4506-T (2017) | The file is missing a copy of the 4506-C (2016), 4506-T (2017). |  |  |  | 3/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM | 2023/XX/18: Disagree. 4506-T in file covering 2017 & 2016. Okay to use 4506-T for these years based on file date in 2018, 4506-C was not required for 3rd party IRS transcript requests until May 1 2021. | 2023/XX/13: EXCEPTION HISTORY - Exception Explanation was updated on 06/XX/2023 PRIOR Exception Explanation: 4506-C (2016), 4506-C (2017), 4506-T (2016), 4506-T (2017)<br>2023/XX/22: EXCEPTION HISTORY - Exception Explanation was updated on 08/XX/2023 PRIOR Exception Explanation: 4506-C (2016), 4506-C (2017), 4506-T (2017)<br>2023/XX/22: None of the 4506-T document cover the year 2017. |
| 6452450835 | Base | XXX | XXX | XXX | 29376423 | credit | 1 | Missing Document: Appraisal not provided |  | The file is missing a copy of the Appraisal. |  |  |  | 3/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Appraisal provided |
| 6452450835 | Base | XXX | XXX | XXX | 29376424 | credit | 1 | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX | Loan file is missing a post-disaster inspection report. |  |  |  | 3/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452450835 | Base | XXX | XXX | XXX | 29376425 | compliance | 1 | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | Final CD has not been provided. The only CD in the file is a post closing CD issued 06/XX/2018. |  | High Cost or Anti-Predatory Lending Testing impact, therefore no SOL considerations.<br> For TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Initial and final CDs were provided |
| 6452450835 | Base | XXX | XXX | XXX | 29376426 | compliance | 1 | Right of Rescission Timing - Receipt Date Missing | Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements. | Final CD has not been provided. |  | TILA ROR - 3yrs for rescindable transactions. |  | 3/XX/2018 | 3/XX/2021 | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Initial and final CDs were provided |
| 6452450835 | Base | XXX | XXX | XXX | 29376427 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation of ATR Fail is due to the missing income documentation. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Signed copy of the 2016 1120 was provided |
| 6452450835 | Base | XXX | XXX | XXX | 29376428 | compliance | 1 | General Ability To Repay Provision Employment - C-Corp 1120 Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current C-Corp status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/C-Corp 1120) | Audited/Third Party P&L, CPA Letter, or other Third Party Verification is required and missing. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 3/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Verification of the business was provided |
| 6452450835 | Base | XXX | XXX | XXX | 29376429 | compliance | 1 | General Ability To Repay Provision Income and Assets - C Corporation 1120 | Ability to Repay (Dodd-Frank 2014): Unable to verify C Corp income using reasonably reliable third-party records. (XXX XXX/C-Corp 1120) | Audited/Third Party P&L, CPA Letter, or other Third Party Verification is required and missing. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 3/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Signed copy of the 2016 1120 was provided |
| 6452450835 | Base | XXX | XXX | XXX | 29376431 | credit | 3 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 81.47668% exceeds Guideline combined loan to value percentage of 80.00000%. | Subject mortgage $XXX plus 2nd mortgage $XXX = $XXX. Appraisal missing, LTV calculated with $XXX value = 81.476%. |  |  |  | 3/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450835 | Base | XXX | XXX | XXX | 29376432 | compliance | 1 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/09/XX/2017) | Proof of appraisal delivery was not provided |  | There is generally no Assignee Liability. |  | 3/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Appraisal was provided to the borrower per the conversation log |
| 6452450835 | Base | XXX | XXX | XXX | 29376433 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7507) | Fee increased with the 03//XX/2018 CD without a valid CIC or cure at close |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2018 | 3/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450835 | Base | XXX | XXX | XXX | 29376434 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Initial 03/XX/2018 CD was electronically provided to the borrower per the Conversation Log but proof of receipt was not found |  |  |  | 3/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449619 | Base | XXX | XXX | XXX | 29376435 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Subject property was appraised on XX/XX/XXXX prior to the FEMA disaster (XXX) dated XX/XX/XXXX through XX/XX/XXXX. File is missing a property inspection dated after the disaster, or the lender's Rep and Warranty attestation along with visible confirmation that the subject property was not damaged. |  |  |  | 11/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452449619 | Base | XXX | XXX | XXX | 29376436 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2019) |  |  |  |  | 11/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449619 | Base | XXX | XXX | XXX | 29376437 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | 11/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449619 | Base | XXX | XXX | XXX | 29376438 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449619 | Base | XXX | XXX | XXX | 29376439 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 11/XX/2019 | 11/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450705 | Base | XXX | XXX | XXX | 29376448 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 8/XX/2019 |  | CA | Refinance - Cash-out - Home Improvement | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452450705 | Base | XXX | XXX | XXX | 29376449 | property | 3 | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: 08/XX/2019 | Appraisal was made subject to and 442 is not provided |  |  |  | 8/XX/2019 |  | CA | Refinance - Cash-out - Home Improvement | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450705 | Base | XXX | XXX | XXX | 29376450 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/20/2019) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 8/XX/2019 |  | CA | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450705 | Base | XXX | XXX | XXX | 29376451 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 08/XX/2019 are underdisclosed (Final/08/XX/2019) | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXX on page 4; Final CD reflects Estimated Taxes, Insurance & Assessments of $XXX monthly, correct amount is $XXX. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2019 | 9/XX/2020 | CA | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450705 | Base | XXX | XXX | XXX | 29376452 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Tax Verification | Insurance and tax verification is missing. |  |  |  | 8/XX/2019 |  | CA | Refinance - Cash-out - Home Improvement | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450705 | Base | XXX | XXX | XXX | 29376453 | credit | 3 | REO Documents are missing. | Address: XXX, CA Statement | Current mortgage statement is missing. |  |  |  | 8/XX/2019 |  | CA | Refinance - Cash-out - Home Improvement | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449266 | Base | XXX | XXX | XXX | 29376475 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452449266 | Base | XXX | XXX | XXX | 29376476 | compliance | 2 | (Doc Error) GFE Error: Changed Circumstance not provided. | GFE Date: 08/XX/2015, GFE Date: 08/XX/2015, GFE Date: 09/XX/2015 Changed Circumstance not provided for GFE dated 08/XX/2015 from GFE dated 08/XX/2015<br> Changed Circumstance not provided for GFE dated 08/XX/2015 from GFE dated 08/XX/2015<br> Changed Circumstance not provided for GFE dated 09/XX/2015 from GFE dated 08/XX/2015 | GFE/Miscellaneous Compliance GFE Date: 08/XX/2015: GFE Error: Changed Circumstance not provided. |  |  |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449266 | Base | XXX | XXX | XXX | 29376477 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet, not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2015 | 10/XX/2016 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449266 | Base | XXX | XXX | XXX | 29376478 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Finance charge is under disclosed by $XXX. Unable to determine cause for under disclosure due to missing final fully executed itemization of amount finance | $7324.21 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2015 | 10/XX/2018 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449266 | Base | XXX | XXX | XXX | 29376479 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | Notice of Right to Cancel was not provided. |  | TILA ROR - 3yrs for rescindable transactions. |  | 9/XX/2015 | 10/XX/2018 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449266 | Base | XXX | XXX | XXX | 29376480 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Per lender guides, Qualification method to be used is the Note rate however does not meet ATR requirements. |  |  |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449266 | Base | XXX | XXX | XXX | 29376481 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application hence please provide this document |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449266 | Base | XXX | XXX | XXX | 29376482 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan) | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply. | "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2015 | 10/XX/2018 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449295 | Base | XXX | XXX | XXX | 29376770 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area post-close. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 9/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452449295 | Base | XXX | XXX | XXX | 29376771 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 09/XX/2014 | Condo Warranty is missing in file |  |  |  | 9/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449295 | Base | XXX | XXX | XXX | 29376772 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/20/2014) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 9/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449295 | Base | XXX | XXX | XXX | 29376773 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | File is missing a signed and dated Initial 1003 loan application. |  |  |  | 9/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  | 2023/XX/29: Missing Initial signed/dated 1003.<br>2023/XX/30: Missing Signed/dated Initial 1003. |
| 6452450887 | Base | XXX | XXX | XXX | 29376778 | credit | 1 | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452450887 | Base | XXX | XXX | XXX | 29376779 | credit | 3 | Missing Document: Missing Final 1003 |  | Final 1003 missing. |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450887 | Base | XXX | XXX | XXX | 29376780 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | Lenders Initial 1003 missing. |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  | 2023/XX/29: Missing Initial signed/dated 1003.<br>2023/XX/30: Missing Signed/dated Initial 1003. |
| 6452450887 | Base | XXX | XXX | XXX | 29376781 | credit | 3 | Missing Document: Credit Report not provided |  |  |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> D | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450887 | Base | XXX | XXX | XXX | 29376782 | credit | 3 | Missing Document: Flood Certificate not provided |  |  |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450887 | Base | XXX | XXX | XXX | 29376783 | credit | 3 | Missing Document: Occupancy Certificate not provided |  |  |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450887 | Base | XXX | XXX | XXX | 29376784 | credit | 3 | Missing Document: Appraisal not provided |  |  |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> D | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450887 | Base | XXX | XXX | XXX | 29376785 | credit | 3 | Income Docs Missing: | Borrower: XXX Award Letter / Continuance Letter, Balance Sheet, P&L Statement, Third Party Verification |  |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450887 | Base | XXX | XXX | XXX | 29376786 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | There is generally no Assignee Liability. |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450887 | Base | XXX | XXX | XXX | 29376787 | credit | 3 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 72.02250% exceeds Guideline total debt ratio of 45.00000%. | Calculated investor qualifying total debt ratio of 72.02250% exceeds Guideline total debt ratio of 45.00000%. Capital losses must be deducted from qualifying income. |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450887 | Base | XXX | XXX | XXX | 29376788 | credit | 3 | AUS/Guideline Findings: All conditions were not met |  | File is missing credit report, appraisal and income documentation. |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450887 | Base | XXX | XXX | XXX | 29376789 | credit | 3 | Income documentation requirements not met. |  | Failure due to missing income documentation. |  |  |  | 11/XX/2018 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450728 | Base | XXX | XXX | XXX | 29376841 | compliance | 1 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2016) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/21: Received required documentation//clarification Condition cleared. |
| 6452450728 | Base | XXX | XXX | XXX | 29376842 | compliance | 2 | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established) | Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. | Mandatory escrow account not established on 1st lien mortgage loan. |  | TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2016 | 10/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: Fed HPML Provision was effective Feb 2021, loan closed prior<br>2023/XX/25: Agree with error | 2023/XX/21: HPML requirements were added under Section 35 of TILA and applicable to closed-end loans secured by principal dwelliong for applications taken on or after October 1, 2009. Loan was originations after this date and exception is valid. The requirement for establishment of escrow account was a requirements of the implementation of the HPML regulation.<br>2023/XX/15: No documentation was provided in trailing docs to clear this condition.<br>2023/XX/25: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450728 | Base | XXX | XXX | XXX | 29376843 | compliance | 2 | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.91227% or final disclosure apr of XX.XX% is equal to or greater than the threshold of APOR 3.25% + 1.5%, or 4.75000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 4.91227% or final disclosure apr of XX.XX% is equal to or greater than the threshold of APOR 3.25% + 1.5%, or 4.75000%. Non-Compliant Higher Priced Mortgage Loan with a change of circumstance in file. |  | TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2016 | 10/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: Compliance Eagle uploaded 4/XX/23 at 8:14am under Misc reflects a passing High Cost test (dated 10-XX at XXX am). All closing docs reference final APR 4.025%<br>2023/XX/25: Provided Compliance Eagle report to support passing High Cost test. Closing docs support final APR 4.025% | 2023/XX/21: File contains no compliance report to determine lenders APR calculations. Condition remains.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450728 | Base | XXX | XXX | XXX | 29376844 | compliance | 1 | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2016) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  | TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2016 | 10/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: Notepad entry dated 9/XX/16 indicates appraisal and Property Valuation Document Disclaimer were mailed to borrowers | 2023/XX/21: Received required documentation//clarification Condition cleared. |
| 6452450728 | Base | XXX | XXX | XXX | 29376846 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM disclosure is not contains the document date. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2016 | 10/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450728 | Base | XXX | XXX | XXX | 29376847 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet, not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2016 | 10/XX/2017 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450728 | Base | XXX | XXX | XXX | 29376848 | compliance | 2 | TRID Final Closing Disclosure Amount Financed | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. (Final/10/XX/2016) | Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2016 | 10/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450728 | Base | XXX | XXX | XXX | 29376849 | compliance | 2 | TRID Final Closing Disclosure APR Irregular Transaction | TILA-RESPA Integrated Disclosure - Loan Calculations: apr of XX.XX% on final closing Disclosure provided on 10/XX/2016 is under-disclosed from the calculated APR of 4.91227% outside of 0.250% tolerance. (Final/10/XX/2016) | Loan Calculations: apr of XX.XX% on final closing Disclosure provided on 10/XX/2016 is under-disclosed from the calculated APR of 4.91227% outside of 0.250% tolerance. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2016 | 10/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450728 | Base | XXX | XXX | XXX | 29376850 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 10/XX/2016). (Final/10/XX/2016) | Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 10/XX/2016). |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2016 | 10/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450728 | Base | XXX | XXX | XXX | 29376851 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2016). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold. (Final/10/XX/2016) | Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2016). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2016 | 10/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450728 | Base | XXX | XXX | XXX | 29376853 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452450728 | Base | XXX | XXX | XXX | 29376854 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | Lender's Initial 1003 is not provided in the file. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450728 | Base | XXX | XXX | XXX | 29376855 | credit | 3 | Missing Document: Note - Subordinate Lien not provided |  |  |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450728 | Base | XXX | XXX | XXX | 29376856 | compliance | 3 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The DTI exceeds the maximum allowable of 44% which resulted in a calculated Due Diligence Loan Designation of ATR Risk. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/21: Based on lender guides, the qualifying method is 10/1 IO ARM – The qualifying rate is the greater of the note rate plus 2% or the fully-indexed rate. The qualifying payment is the payment based on the qualifying rate amortized over 30 years (the number of years remaining after the interest-only period ends). This calculation is causing the DTI discrepancy. In addition, the 2nd mortgage documentation is missing. The 1008 reflects the 2nd mortgage was closed at $XXXk.<br>2023/XX/15: No documentation was provided in trailing docs to clear this condition.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450728 | Base | XXX | XXX | XXX | 29376857 | compliance | 3 | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 49.87821% significantly exceeds the guideline maximum of 44.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The DTI exceeds the maximum allowable of 44%. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: 1008 dated 10/XX/16 indicates a counter was accepted lowering 2nd TD and final DTI under 44%. 1008 DTI 43.141% using income of $XXX PITIA of $XXX and other debts of $XXX<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/21: Based on lender guides, the qualifying method is 10/1 IO ARM – The qualifying rate is the greater of the note rate plus 2% or the fully-indexed rate. The qualifying payment is the payment based on the qualifying rate amortized over 30 years (the number of years remaining after the interest-only period ends). This calculation is causing the DTI discrepancy.<br>2023/XX/15: No documentation was provided in trailing docs to clear this condition.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450728 | Base | XXX | XXX | XXX | 29376858 | credit | 3 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 49.87821% exceeds Guideline total debt ratio of 44.00000%. | The DTI exceeds the maximum allowable of 44%. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/21: Based on lender guides, the qualifying method is 10/1 IO ARM – The qualifying rate is the greater of the note rate plus 2% or the fully-indexed rate. The qualifying payment is the payment based on the qualifying rate amortized over 30 years (the number of years remaining after the interest-only period ends). This calculation is causing the DTI discrepancy.<br>2023/XX/15: No documentation was provided in trailing docs to clear this condition.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450728 | Base | XXX | XXX | XXX | 29376859 | compliance | 3 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The DTI exceeds the maximum allowable of 44%. |  |  |  | 10/XX/2016 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/21: Based on lender guides, the qualifying method is 10/1 IO ARM – The qualifying rate is the greater of the note rate plus 2% or the fully-indexed rate. The qualifying payment is the payment based on the qualifying rate amortized over 30 years (the number of years remaining after the interest-only period ends). This calculation is causing the DTI discrepancy.<br>2023/XX/15: No documentation was provided in trailing docs to clear this condition.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452449634 | Base | XXX | XXX | XXX | 29376837 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 6/XX/2016 |  | CA | Purchase | Investment | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452449634 | Base | XXX | XXX | XXX | 29376838 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2016) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 6/XX/2016 |  | CA | Purchase | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449634 | Base | XXX | XXX | XXX | 29376839 | credit | 3 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%. | loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%. |  |  |  | 6/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449634 | Base | XXX | XXX | XXX | 29376840 | credit | 3 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 57.77389% exceeds Guideline total debt ratio of 45.00000%. | Qualifying total debt ratio of 57.77389% exceeds Guideline total debt ratio of 45.00000% |  |  |  | 6/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451013 | Base | XXX | XXX | XXX | 29376958 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2014) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 12/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451013 | Base | XXX | XXX | XXX | 29376959 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2014) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 12/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451013 | Base | XXX | XXX | XXX | 29376960 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  | There is generally no Assignee Liability. |  | 12/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451013 | Base | XXX | XXX | XXX | 29376961 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Disaster Declaration Date: XX/XX/XXXX is after note date. Recent valuation inspection not required for the same. |  |  |  | 12/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452451013 | Base | XXX | XXX | XXX | 29376962 | credit | 3 | Missing Document: Occupancy Certificate not provided |  |  |  |  |  | 12/XX/2014 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451059 | Base | XXX | XXX | XXX | 29377057 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Subject property was appraised on XX/XX/XXXX prior to the FEMA disaster (XXX) dated XX/XX/XXXX through XX/XX/XXXX. File is missing a property inspection dated after the disaster, or the lender's Rep and Warranty attestation along with visible confirmation that the subject property was not damaged. |  |  |  | 1/XX/2016 |  | CA | Purchase | Investment | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452451059 | Base | XXX | XXX | XXX | 29377058 | credit | 3 | Initial Rate Lock rate date is not documented in file. |  | Initial Rate Lock rate document is missing. |  |  |  | 1/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451059 | Base | XXX | XXX | XXX | 29377059 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2016) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 1/XX/2016 |  | CA | Purchase | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449945 | Base | XXX | XXX | XXX | 29377120 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Latest inspection is prior to latest FEMA disaster declaration. |  |  |  | 4/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: BPO provided does not reflect damage. |
| 6452449945 | Base | XXX | XXX | XXX | 29377121 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2016) | Evidence of appraisal delivery 3 days prior to closing is not in file. |  |  |  | 4/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449945 | Base | XXX | XXX | XXX | 29377122 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2016) | Evidence of appraisal delivery 3 days prior to closing is not in file. |  |  |  | 4/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449945 | Base | XXX | XXX | XXX | 29377123 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Disclosure is not in file. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2016 | 4/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449945 | Base | XXX | XXX | XXX | 29377124 | compliance | 2 | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 04/XX/2016 disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (Final/04/XX/2016) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 04/XX/2016 disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2016 | 4/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449945 | Base | XXX | XXX | XXX | 29377125 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2016) | Evidence of receipt of Initial Closing Disclosure 3 days prior to closing is not in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2016 | 4/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449945 | Base | XXX | XXX | XXX | 29377126 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | Signed Initial 1003 is not in file. |  |  |  | 4/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449945 | Base | XXX | XXX | XXX | 29377127 | credit | 3 | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: XXX // Account Type: Stocks / Account Number: XXX, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: XXX, Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: XXX, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: xxxx, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: XXX, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: XXX, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: XXX | All bank statements exceed the 90 day age of document limit. Please provide an updated consecutive bank statement for all accounts. |  |  |  | 4/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450488 | Base | XXX | XXX | XXX | 34420737 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  | 11/XX/2020 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450488 | Base | XXX | XXX | XXX | 34420739 | credit | 2 | There are red flags on the fraud report that have not been addressed | Credit Report: Original // Borrower: XXX | The Fraud Report Cleared section are left blank and not cleared. |  |  |  | 11/XX/2020 |  | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/19: The Fraud Report Cleared section are left blank and not cleared. |
| 6452449610 | Base | XXX | XXX | XXX | 34420742 | credit | 2 | REO Documents are missing. | Address: XXX, Chicago, IL HOA Verification | HOA verification is missing for the property REO at XXX. |  |  |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/18: Client elects to waive without compensating factors. |
| 6452449610 | Base | XXX | XXX | XXX | 34420743 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449610 | Base | XXX | XXX | XXX | 34420744 | compliance | 2 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14556473) | The loan file does not contain a written verification of employment to verify the start and end date for WM Wrigley previous employment. |  |  |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449610 | Base | XXX | XXX | XXX | 34420745 | compliance | 1 | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 64.44543% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The REO XXX Pending Sale at origination. The loan file does not contain the Final Closing statement to exclude the monthly payment from the debt-to-income. |  |  |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM | 2025/XX/08: Uploaded CD from sale of current primary. DTI should be fine at 38.095%. | 2025/XX/22: Received final seller CD. Condition cleared. |
| 6452449610 | Base | XXX | XXX | XXX | 34420746 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | Waterfall due to DTI exceeding the threshold of 43% |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM | 2025/XX/08: Uploaded CD from sale of current primary. DTI should be fine at 38.095%. | 2025/XX/22: Received final seller CD. Condition cleared. |
| 6452449610 | Base | XXX | XXX | XXX | 34420747 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Waterfall due to DTI exceeding the threshold of 43% |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM | 2025/XX/08: Uploaded CD from sale of current primary. DTI should be fine at 38.095%. | 2025/XX/22: Received final seller CD. Condition cleared. |
| 6452449610 | Base | XXX | XXX | XXX | 34420750 | credit | 2 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 64.44543% exceeds Guideline total debt ratio of 43.00000%. | The REO XXX Pending Sale at origination. The loan file does not contain the Final Closing statement to exclude the monthly payment from the debt-to-income. |  |  |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/18: Client elects to waive without compensating factors. |
| 6452449610 | Base | XXX | XXX | XXX | 34420751 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to DTI exceeding the threshold limit. |  |  |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM | 2025/XX/08: Uploaded CD from sale of current primary. DTI should be fine at 38.095%. | 2025/XX/22: Received final seller CD. Condition cleared. |
| 6452450434 | Base | XXX | XXX | XXX | 34420752 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2017 | Waterfall due to verification of employment dated after the note date. |  |  |  | 4/XX/2021 |  | MI | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/22: Client elects to waive without compensating factors<br>2025/XX/23: EV2 |
| 6452450434 | Base | XXX | XXX | XXX | 34420753 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 4/XX/2021 |  | MI | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/06: comp factors used to waive exception |
| 6452450434 | Base | XXX | XXX | XXX | 34420754 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2021) | No evidence that borrower received a copy of appraisal 3 business days to closing. |  |  |  | 4/XX/2021 |  | MI | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/04: Client elected to waive |
| 6452450434 | Base | XXX | XXX | XXX | 34420755 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate Lock not provided in file. |  |  |  | 4/XX/2021 |  | MI | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/04: Client elected to waive |
| 6452450434 | Base | XXX | XXX | XXX | 34420756 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM (43-Q). | Waterfall due to verification of employment dated after the note date. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2021 |  | MI | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (43-Q) | 2025/XX/13: VVOE after closing and within 10 days was allowed at that time. Compensating factors 768 score, DTI 36%, on job since 2017 | 2025/XX/23: Loan meets SHQM 43Q requirements. |
| 6452450434 | Base | XXX | XXX | XXX | 34420757 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2021 | 4/XX/2022 | MI | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/04: Client elected to waive |
| 6452450434 | Base | XXX | XXX | XXX | 34420758 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2021 | 4/XX/2022 | MI | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/04: Client elected to waive |
| 6452450434 | Base | XXX | XXX | XXX | 34420760 | compliance | 2 | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 04/XX/2021 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (Final/04/XX/2021) | Projected payment principal and interest does not match, stream payments P&I amount of $XXX which does not match with the monthly P&I $XXX. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MI | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/04: Client elected to waive |
| 6452450434 | Base | XXX | XXX | XXX | 34420761 | credit | 2 | This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2017 Note Date: 04/XX/2021 | Provided verification of employment dated after the note date. require valid verification of employment. |  |  |  | 4/XX/2021 |  | MI | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/22: Client elects to waive without compensating factors<br>2025/XX/23: EV2 |
| 6452450434 | Base | XXX | XXX | XXX | 34420762 | credit | 2 | Income documentation requirements not met. |  | Provided verification of employment dated after the note date. require valid verification of employment. |  |  |  | 4/XX/2021 |  | MI | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/22: Client elects to waive without compensating factors<br>2025/XX/23: EV2 |
| 6452450434 | Base | XXX | XXX | XXX | 34420763 | compliance | 2 | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (43-Q) matches the Due Diligence Loan Designation of Safe Harbor QM (43-Q). | Loan meets SHQM 43Q requirements. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2021 |  | MI | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/04: Client elected to waive |
| 6452449406 | Base | XXX | XXX | XXX | 34420827 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | e-sign consent is missing |  |  |  | 4/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Comp actors used to waive exception |
| 6452449406 | Base | XXX | XXX | XXX | 34420828 | compliance | 1 | Commission Tax Documentation | Qualified Mortgage (Dodd-Frank 2014): Commission income missing two years consecutive signed tax returns or tax transcripts (XXX XXX/Commission) | Loan is waterfalling due to agency salable NO. |  |  |  | 4/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM | 2024/XX/24: Tax Returns, VOE and Transcripts | 2025/XX/02: Commission income has been sufficiently verified. Exception is clear. |
| 6452449406 | Base | XXX | XXX | XXX | 34420829 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan is waterfalling due to agency salable NO. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM | 2024/XX/24: See attached screenshots | 2025/XX/02: Commission income has been sufficiently verified. Exception is clear. |
| 6452449406 | Base | XXX | XXX | XXX | 34420831 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2021 | 4/XX/2022 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449406 | Base | XXX | XXX | XXX | 34420832 | credit | 2 | Credit Exception: |  | Lender Exception: Non warrantable condo. |  |  |  | 4/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Comp actors used to waive exception |
| 6452450017 | Base | XXX | XXX | XXX | 34420874 | compliance | 2 | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/09/XX/2021) | Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450017 | Base | XXX | XXX | XXX | 34420875 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 10/XX/2021 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450017 | Base | XXX | XXX | XXX | 34420876 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. |  |  |  | 10/XX/2021 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450132 | Base | XXX | XXX | XXX | 34420933 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 10/XX/2019 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450428 | Base | XXX | XXX | XXX | 34420936 | credit | 2 | Guideline Requirement: Combined High loan to value discrepancy. | Calculated high loan to value percentage of 95.00000% exceeds Guideline high loan to value percentage of 90.00000% | Calculated high loan to value percentage of 95.00000% exceeds Guideline high loan to value percentage of 90.00000% |  |  |  | 11/XX/2019 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/19: Client elects to waive with compensating factor. |
| 6452450428 | Base | XXX | XXX | XXX | 34420937 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 95.00000% exceeds Guideline loan to value percentage of 90.00000%. | Calculated loan to value percentage of 95.00000% exceeds Guideline loan to value percentage of 90.00000%. |  |  |  | 11/XX/2019 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/19: Client elects to waive with compensating factor. |
| 6452450428 | Base | XXX | XXX | XXX | 34420938 | credit | 2 | AUS/Guideline Findings: All conditions were not met |  | Calculated Loan To Value percentage of 95.00000% exceeds Guideline high loan to value percentage of 90.00000% |  |  |  | 11/XX/2019 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/19: Client elects to waive with compensating factor. |
| 6452450428 | Base | XXX | XXX | XXX | 34420939 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:16125/09/XX/2019) | Creditor did not provide a copy of each valuation (Report Date 09/XX/2019) to applicant three (3) business days prior to consummation. |  |  |  | 11/XX/2019 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449313 | Base | XXX | XXX | XXX | 34420981 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/10/XX/2019) | Initial CD is not provided in file only final Closing Disclosure provided, We need closing Disclosure before 6 days from closing |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2019 | 10/XX/2020 | MN | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450832 | Base | XXX | XXX | XXX | 34420987 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 11/XX/2019 |  | MO | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452451082 | Base | XXX | XXX | XXX | 34420993 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area and no post disaster inspection report was provided. |  |  |  | 12/XX/2019 |  | IL | Refinance - Cash-out - Home Improvement | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450456 | Base | XXX | XXX | XXX | 34421007 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 12/XX/2019 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452451142 | Base | XXX | XXX | XXX | 34421023 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Post Disaster Inspection report not provided after Disaster End Date. |  |  |  | 1/XX/2020 |  | IL | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449697 | Base | XXX | XXX | XXX | 34421026 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2020) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452449550 | Base | XXX | XXX | XXX | 34421029 | credit | 2 | REO Documents are missing. | Address: XXX, IL, Address: XXX, IL, Address: XXX, IL, Address: XXX, WI Statement<br> Statement<br> Statement<br> Statement | Mortgage Statement is missing in file. |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/19: Client elects to waive with compensating factor. |
| 6452449550 | Base | XXX | XXX | XXX | 34421030 | credit | 2 | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.29443% exceeds AUS total debt ratio of 27.45000%. | Failure due to proof of payment of omitted debts is missing in file. |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/19: Client elects to waive with compensating factor. |
| 6452449550 | Base | XXX | XXX | XXX | 34421031 | credit | 2 | Income documentation requirements not met. |  | Failure due to proof of payment of omitted debts is missing in file. |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/19: Client elects to waive with compensating factor. |
| 6452450514 | Base | XXX | XXX | XXX | 34421051 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Most resent property inspection report is missing to verify FEMA disaster. |  |  |  | 11/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/07: Client provided BPO extract showing current inspection dates and no damage reported. |
| 6452450514 | Base | XXX | XXX | XXX | 34421052 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14556375) | Explanation letter for Gap is not available in file. |  |  |  | 11/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: No lox on job gap. | 2025/XX/12: Without a letter of explanation from the borrower concerning the job gap from 2/XX/2019 to 4/XX/2019, which exceeds 30 days, the loan does not meet the QM loan requirements. Exception remains.<br>2025/XX/17: Loan has been re designated at client request |
| 6452450514 | Base | XXX | XXX | XXX | 34421053 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Explanation letter for Gap is not available in file. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: No lox on job gap. | 2025/XX/12: Without a letter of explanation from the borrower concerning the job gap from 2/XX/2019 to 4/XX/2019, which exceeds 30 days, the loan does not meet the QM loan requirements. Exception remains.<br>2025/XX/17: Loan has been re designated at client request |
| 6452450514 | Base | XXX | XXX | XXX | 34421057 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2020 |  | IL | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450018 | Base | XXX | XXX | XXX | 34421063 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2021) | Appraisal delivery receipt is missing. |  |  |  | 2/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450018 | Base | XXX | XXX | XXX | 34421065 | compliance | 2 | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/02/XX/2021) | Final Closing Disclosure provided on 02/XX/2021 disclosed a Subsequent Changes period that does not match the actual terms for the loan |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450018 | Base | XXX | XXX | XXX | 34421066 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed. (Final/02/XX/2021) | Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450018 | Base | XXX | XXX | XXX | 34421071 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2646171) | Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450018 | Base | XXX | XXX | XXX | 34421072 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2646172) | Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450018 | Base | XXX | XXX | XXX | 34421073 | compliance | 2 | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed. (Final/02/XX/2021) | Loan Disclosures: Non-Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450018 | Base | XXX | XXX | XXX | 34421074 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/02/XX/2021) | Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450018 | Base | XXX | XXX | XXX | 34421075 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2646171) | Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450018 | Base | XXX | XXX | XXX | 34421076 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2646172) | Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450280 | Base | XXX | XXX | XXX | 34421084 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450280 | Base | XXX | XXX | XXX | 34421085 | compliance | 1 | Overtime Bonus Method of Calculation | Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. (XXX XXX/Bonus) | Overtime/Bonus Income reflects large variations and Qualifying Method used is less than 2 years + YTD average. |  |  |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: B has been employed by same company 14+ years. Restructure of income from 2018 to 2019 resulted in change from Commission to Incentive. Same thing. Used YTD only as it was less than 24 month average. | 2025/XX/17: Loan has been re designated at client request |
| 6452450280 | Base | XXX | XXX | XXX | 34421086 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2020) | Verification of appraisal was delivered to borrower not provided in file. |  |  |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450280 | Base | XXX | XXX | XXX | 34421087 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation mismatch due to DTI exceeds guideline |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: DTI at 42.82% doesn't exceed program parameters per product matrix in effect. | 2025/XX/17: Loan has been re designated at client request |
| 6452450280 | Base | XXX | XXX | XXX | 34421088 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | DTI exceeds guideline |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: DTI at 42.82% doesn't exceed program parameters per product matrix in effect. | 2025/XX/17: Loan has been re designated at client request |
| 6452450280 | Base | XXX | XXX | XXX | 34421091 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2020 |  | IL | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450960 | Base | XXX | XXX | XXX | 34421122 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required |  |  |  | 1/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450960 | Base | XXX | XXX | XXX | 34421123 | credit | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Insurance coverage is insufficient by $146,000.00, there was no evidence of extended coverage or insurer's estimate of replacement cost provided. |  |  |  | 1/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM | 2025/XX/08: Current policy in file shows coverage amount of $XXX | 2025/XX/13: Exception Remains - The received updated policy is for the year 2024 - 2025 and note date is of 01/XX/2021. Provide the replacement cost estimate prior to note date.<br>2025/XX/21: Lender explanation/calculation provided. Acceptable. |
| 6452450960 | Base | XXX | XXX | XXX | 34421125 | compliance | 2 | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2021, prior to three (3) business days from transaction date of 1/XX/2021 12:00:00 AM. | ROR was signed by borrower on 01/XX/2021, Final Closing disclosure issue on 01/XX/2021 and Signed on 01/XX/2021. |  | TILA ROR - 3yrs for rescindable transactions. |  | 1/XX/2021 | 1/XX/2024 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452450960 | Base | XXX | XXX | XXX | 34421126 | compliance | 2 | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | ROR was signed by borrower on 01/XX/2021, Final Closing disclosure issue on 01/XX/2021 and Signed on 01/XX/2021. |  | TILA ROR - 3yrs for rescindable transactions. |  | 1/XX/2021 | 1/XX/2024 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449991 | Base | XXX | XXX | XXX | 34421150 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14556603) | Borrower employment history reflects gap > 30 days. LOE was not provided. |  |  |  | 1/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: No lox for 60-day job gap. Covid. | 2025/XX/17: Loan has been re designated at client request |
| 6452449991 | Base | XXX | XXX | XXX | 34421151 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2021) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 1/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449991 | Base | XXX | XXX | XXX | 34421152 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: No lox for 60-day job gap. Covid. | 2025/XX/17: Loan has been re designated at client request |
| 6452449991 | Base | XXX | XXX | XXX | 34421153 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 02/XX/2021). (Final/01/XX/2021) | Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2021 | 1/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449991 | Base | XXX | XXX | XXX | 34421154 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 02/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/01/XX/2021) | Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 02/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2021 | 1/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449991 | Base | XXX | XXX | XXX | 34421156 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area that does not have a declared end date. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be inspected. |  |  |  | 1/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/07: Client provided BPO extract showing current inspection dates and no damage reported. |
| 6452449991 | Base | XXX | XXX | XXX | 34421157 | credit | 2 | Loans with an application date after 10/XX/2020 using a LIBOR Index are not Agency Salable. | Index: LIBOR - 1 Year (Daily); Note Date: 01/XX/2021 | Index: LIBOR - 1 Year (Daily); Note Date: 01/XX/2021 |  |  |  | 1/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449991 | Base | XXX | XXX | XXX | 34421158 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2020 | Verification(s) of employment is not within 10 business days of the Note. |  |  |  | 1/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive without compensating factors. |
| 6452449991 | Base | XXX | XXX | XXX | 34421159 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2021 |  | IL | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421160 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  | The file is missing one or more of the core documents required for a review. Please provide a Note, Security Instrument, initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's or TIL's, GFE's and HUD1's. |  |  |  | 2/XX/2021 |  | MO | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: Refute - Documents loaded to Box in Folder: "Exception Support: Incomplete Loan Images or File" | 2025/XX/04: Sufficient documentation has been provided for initial review. |
| 6452449772 | Base | XXX | XXX | XXX | 34421161 | credit | 2 | Missing Document: Approval not provided |  | Approval missing in file |  |  |  | 2/XX/2021 |  | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive without compensating factors. |
| 6452449772 | Base | XXX | XXX | XXX | 34421162 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 2/XX/2021 |  | MO | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: BPO extract provided with current inspection dates showing no damage. |
| 6452449772 | Base | XXX | XXX | XXX | 34421163 | credit | 2 | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | 2/XX/2021 |  | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421165 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | 2/XX/2021 |  | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421166 | compliance | 2 | TRID Final Closing Disclosure AIR Table First Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan. (Final/02/XX/2021) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421167 | compliance | 2 | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/02/XX/2021) | Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421172 | compliance | 2 | TRID Final Closing Disclosure Loan Term | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/XX/2021 disclosed a Loan Term that does not match the actual loan term for the loan. (Final/02/XX/2021) | General Information: Final Closing Disclosure provided on 02/XX/2021 disclosed a Loan Term that does not match the actual loan term for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2024 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421173 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/02/XX/2021) | Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421174 | compliance | 2 | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (Final/02/XX/2021) | Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421175 | compliance | 2 | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/02/XX/2021) | Final Closing Disclosure provided on 02/XX/2021 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2024 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421176 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2672845) | Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2024 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421177 | compliance | 2 | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2672844) | Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2024 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421178 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 2/XX/2021 | 2/XX/2024 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421179 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 12/XX/2018 |  |  |  |  | 2/XX/2021 |  | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive without compensating factors. |
| 6452449772 | Base | XXX | XXX | XXX | 34421180 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/02/XX/2021) |  |  | There is generally no Assignee Liability. |  | 2/XX/2021 |  | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421181 | compliance | 2 | TRID Final Closing Disclosure AP Table First Change Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (Final/02/XX/2021) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421182 | compliance | 2 | TRID Final Closing Disclosure AP Table Interest Only Payment Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed an inaccurate Interest Only Payments Period. (Final/02/XX/2021) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421183 | compliance | 2 | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/02/XX/2021) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449772 | Base | XXX | XXX | XXX | 34421184 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (Final/02/XX/2021) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450696 | Base | XXX | XXX | XXX | 34421222 | compliance | 1 | Commission Tax Documentation | Qualified Mortgage (Dodd-Frank 2014): Commission income missing two years consecutive signed tax returns or tax transcripts (XXX XXX/Commission) | Commission income missing two years consecutive signed tax returns or tax transcripts (XXX XXX/Commission) |  |  |  | 3/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: don't need tax returns for commission income since 2018 (closed in 2021). Bonus income was averaged over 2 years, no bonus income ytd, voi dated first part of February, so it's feasible bonus was not yet received. Plus if you remove the bonus income, dti would still be within guidelines. Rental income do not need lease, uw used 2019 returns. 1008 shows correct qm designation | 2025/XX/17: Loan has been re designated at client request |
| 6452450696 | Base | XXX | XXX | XXX | 34421223 | compliance | 1 | Overtime Bonus Method of Calculation | Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. (XXX XXX/Bonus) | Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. |  |  |  | 3/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: don't need tax returns for commission income since 2018 (closed in 2021). Bonus income was averaged over 2 years, no bonus income ytd, voi dated first part of February, so it's feasible bonus was not yet received. Plus if you remove the bonus income, dti would still be within guidelines. Rental income do not need lease, uw used 2019 returns. 1008 shows correct qm designation | 2025/XX/17: Loan has been re designated at client request |
| 6452450696 | Base | XXX | XXX | XXX | 34421224 | compliance | 1 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) | Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. |  |  |  | 3/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: don't need tax returns for commission income since 2018 (closed in 2021). Bonus income was averaged over 2 years, no bonus income ytd, voi dated first part of February, so it's feasible bonus was not yet received. Plus if you remove the bonus income, dti would still be within guidelines. Rental income do not need lease, uw used 2019 returns. 1008 shows correct qm designation | 2025/XX/17: Loan has been re designated at client request |
| 6452450696 | Base | XXX | XXX | XXX | 34421226 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  | 3/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450696 | Base | XXX | XXX | XXX | 34421227 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: don't need tax returns for commission income since 2018 (closed in 2021). Bonus income was averaged over 2 years, no bonus income ytd, voi dated first part of February, so it's feasible bonus was not yet received. Plus if you remove the bonus income, dti would still be within guidelines. Rental income do not need lease, uw used 2019 returns. 1008 shows correct qm designation | 2025/XX/17: Loan has been re designated at client request |
| 6452450696 | Base | XXX | XXX | XXX | 34421228 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 03/XX/2021 did not disclose an accurate Index as reflected on the Note. (Final/03/XX/2021) | Final Closing Disclosure provided on 03/XX/2021 did not disclose an accurate Index as reflected on the Note. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450696 | Base | XXX | XXX | XXX | 34421233 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) |  |  |  | 3/XX/2021 | 3/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450696 | Base | XXX | XXX | XXX | 34421234 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2021 | 3/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450696 | Base | XXX | XXX | XXX | 34421235 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet Disclosure Status is missing in loan file |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2021 | 3/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450696 | Base | XXX | XXX | XXX | 34421236 | compliance | 2 | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  | TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | 3/XX/2021 | 3/XX/2024 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450696 | Base | XXX | XXX | XXX | 34421237 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 3/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450696 | Base | XXX | XXX | XXX | 34421238 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 85.88083% exceeds Guideline loan to value percentage of 85.00000%. | Calculated loan to value percentage of 85.88083% exceeds Guideline loan to value percentage of 85.00000%. |  |  |  | 3/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive without compensating factors. |
| 6452450696 | Base | XXX | XXX | XXX | 34421239 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450634 | Base | XXX | XXX | XXX | 34421262 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  |  |  |  |  | 7/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: Refute - Documents loaded to Box in Folder: "Exception Support: Incomplete Loan Images or File" | 2025/XX/04: Sufficient documentation has been provided for initial review. |
| 6452450634 | Base | XXX | XXX | XXX | 34421263 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | There was a FEMA Disaster Declaration dated XX/XX/XXXX. The subject property is located in a FEMA disaster area. A post disaster inspection report is needed verifying there is no damage to the subject property. The post disaster inspection report must be dated after the disaster end date. |  |  |  | 7/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: BPO extract provided with current inspection dates showing no damage. |
| 6452450634 | Base | XXX | XXX | XXX | 34421264 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2021) | Receipt of Appraisal is missing. |  |  |  | 7/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450634 | Base | XXX | XXX | XXX | 34421267 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 07/XX/2021 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (Final/07/XX/2021) | Final Closing Disclosure provided on 07/XX/2021 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2021 | 7/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450810 | Base | XXX | XXX | XXX | 34421269 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 4/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450810 | Base | XXX | XXX | XXX | 34421270 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/04/XX/2021) |  |  | There is generally no Assignee Liability. |  | 4/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450810 | Base | XXX | XXX | XXX | 34421271 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | 4/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450810 | Base | XXX | XXX | XXX | 34421273 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2652790) |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450810 | Base | XXX | XXX | XXX | 34421274 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2652791) |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450810 | Base | XXX | XXX | XXX | 34421275 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2652792) |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450810 | Base | XXX | XXX | XXX | 34421276 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2652789) |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450810 | Base | XXX | XXX | XXX | 34421277 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2021 | 4/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450810 | Base | XXX | XXX | XXX | 34421278 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14557105) | Complete 2 year employment history was not entered and/or documented as required per Appendix Q. Any applicable job gaps (with or without LOE) must be entered in Clarity. Any job gap > 30 days requires an LOE. Any job gaps > 6 months have additional requirements. |  |  |  | 4/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: LOE is missing - Application shows start date at current job for co-borrower of 1/XX/21 (however WVOE indicates start date was actually 1/XX/21) and the previous employment ended 11/XX/2020 leaving a 71 day job gap. | 2025/XX/06: Client agrees with the missing gap letter<br>2025/XX/17: Loan has been re designated at client request |
| 6452450810 | Base | XXX | XXX | XXX | 34421279 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | The entered Originator Loan Designation (1003 screen) does not match the calculated Due Diligence Loan Designation (Compliance screen) |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: LOE is missing - Application shows start date at current job for co-borrower of 1/XX/21 (however WVOE indicates start date was actually 1/XX/21) and the previous employment ended 11/XX/2020 leaving a 71 day job gap. | 2025/XX/06: Client agrees with the missing gap letter<br>2025/XX/17: Loan has been re designated at client request |
| 6452450810 | Base | XXX | XXX | XXX | 34421280 | compliance | 2 | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2652789) | Projected Payments section (pg 1): Mortgage Insurance (paystream referenced in reg) is blank or does not match the MI Monthly Premium on the Insurance/Compliance Input screen. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450810 | Base | XXX | XXX | XXX | 34421282 | credit | 2 | Income Docs Missing: | Borrower: XXX Gap Letter | The loan file is missing the employment gap letter for the co-borrower for dates 11/XX/2020 thru 1/XX/2021. |  |  |  | 4/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive with comp factors. |
| 6452450810 | Base | XXX | XXX | XXX | 34421283 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2021 |  | IL | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450184 | Base | XXX | XXX | XXX | 34421303 | credit | 2 | Missing Document: COVID-19 Attestation not provided |  |  |  |  |  | 7/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive with comp factors. |
| 6452450184 | Base | XXX | XXX | XXX | 34421304 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 7/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450184 | Base | XXX | XXX | XXX | 34421305 | compliance | 1 | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. |  |  |  |  | 7/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/10: Refuted. Cert of Compliance provided | 2025/XX/14: Provided Cert of Compliance |
| 6452450184 | Base | XXX | XXX | XXX | 34421307 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14557133) | VOE for previous employments of borrower is missing in file. |  |  |  | 7/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/10: VOE previous employments for XXX in file | 2025/XX/17: Loan has been re designated at client request |
| 6452450184 | Base | XXX | XXX | XXX | 34421308 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | VOE for previous employments of borrower is missing in file. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/10: VOE previous employments for XXX in file | 2025/XX/17: Loan has been re designated at client request |
| 6452450184 | Base | XXX | XXX | XXX | 34421309 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/05/XX/2021) | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing. |  | There is generally no Assignee Liability. |  | 7/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450184 | Base | XXX | XXX | XXX | 34421310 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421323 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 6/XX/2021 |  | MO | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450113 | Base | XXX | XXX | XXX | 34421324 | compliance | 2 | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 6/XX/2021 |  | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421325 | compliance | 2 | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 06/XX/2021 incorrectly disclosed the First Change period according to the disclosed Loan Product. (Final/06/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421326 | compliance | 2 | TRID Final Closing Disclosure AP Table Interest Only Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 06/XX/2021 incorrectly disclosed whether the loan contains Interest Only Payments. (Final/06/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421327 | compliance | 2 | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 06/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/06/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421328 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. (Final/06/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421333 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 06/XX/2021). (Final/06/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421334 | compliance | 2 | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2647115) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421335 | compliance | 2 | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2647116) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421336 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment did not disclose the frequency of adjustments. (Final/06/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421337 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450113 | Base | XXX | XXX | XXX | 34421338 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 06/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/06/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450118 | Base | XXX | XXX | XXX | 34421363 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  | The file is missing one or more of the core documents required for a review. Please provide a Note, Security Instrument, initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's or TIL's, GFE's and HUD1's. |  |  |  | 6/XX/2021 |  | MN | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: Refute - Documents loaded to Box in Folder: "Exception Support: Incomplete Loan Images or File" | 2025/XX/04: Sufficient documentation has been provided for initial review. |
| 6452450118 | Base | XXX | XXX | XXX | 34421364 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2021) | Evidence of appraisal receipt not provided. |  |  |  | 6/XX/2021 |  | MN | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450118 | Base | XXX | XXX | XXX | 34421366 | compliance | 2 | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) | Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation. | Waterfall due to QM Points and Fees exception. |  |  |  | 6/XX/2021 |  | MN | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450118 | Base | XXX | XXX | XXX | 34421367 | compliance | 2 | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. | Waterfall due to QM Points and Fees exception. |  | Assignee liability is unclear. Purchasers and assignees of Minnesota mortgage loans would not appear to be liable for violations of the Act. However, effective 8/XX/07, although there does not appear to be any explicit assignee liability, because a new private right of action permits a court to award statutory damages equal to the amount of all lender fees included in the amount of the principal of the residential mortgage loan, there is the potential that secondary market participants may be adversely affected. |  | 6/XX/2021 |  | MN | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421384 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2021) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 10/XX/2021 |  | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421385 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | 10/XX/2021 |  | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421387 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 10/XX/2021 did not disclose an accurate Index as reflected on the Note. (Final/10/XX/2021) | Final Closing Disclosure provided on 10/XX/2021 did not disclose an accurate Index as reflected on the Note. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421389 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2655024) | Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. ..Due to year one (1) is an interest only payment. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421390 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2655025) | Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan...Due to year one (1) is an interest only payment. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421391 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2655026) | Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan...Due to year one (1) is an interest only payment. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421392 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/2655023) | : Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan...Due to year one (1) is an interest only payment. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421393 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 10/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/10/XX/2021) | Final Closing Disclosure provided on 10/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan...Due to year one (1) is an interest only payment. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421394 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 10/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/10/XX/2021) | Final Closing Disclosure provided on 10/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. ..Due to year one (1) is an interest only payment. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421395 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 10/XX/2021 are overdisclosed. (Final/10/XX/2021) | Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 10/XX/2021 are over disclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421396 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 05/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/20/2021) | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 05/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449994 | Base | XXX | XXX | XXX | 34421398 | credit | 2 | REO Documents are missing. | Address: XXX, IL HOA Verification | Missing HOA verification for property located at XXX, IL. |  |  |  | 10/XX/2021 |  | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive with comp factors. |
| 6452449994 | Base | XXX | XXX | XXX | 34421399 | credit | 2 | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of $XXX is greater than Guideline maximum loan amount of $XXX. | Note loan amount of $XXX is greater than Guideline maximum loan amount of $XXX. |  |  |  | 10/XX/2021 |  | MI | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive with comp factors. |
| 6452449647 | Base | XXX | XXX | XXX | 34421401 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14557207) | Missing verification of 2-year employment history and explanation for employment gap greater than 1 month (August 2019 - January 2020) |  |  |  | 7/XX/2021 |  | MI | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: Loan has been re designated at client request |
| 6452449647 | Base | XXX | XXX | XXX | 34421403 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Waterfall finding due to missing 2-year employment history, resulting in a loan designation discrepancy. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2021 |  | MI | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: Loan has been re designated at client request |
| 6452449647 | Base | XXX | XXX | XXX | 34421404 | compliance | 2 | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Missing a copy of the booklet or borrowers' acknowledgment of receipt of disclosure. |  |  |  | 7/XX/2021 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449647 | Base | XXX | XXX | XXX | 34421406 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The latest property inspection date is XX/XX/XXXX. There was a FEMA disaster dated XX/XX/XXXX. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | 7/XX/2021 |  | MI | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: BPO extract provided with current inspection dates showing no damage. |
| 6452449647 | Base | XXX | XXX | XXX | 34421407 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2021 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450936 | Base | XXX | XXX | XXX | 34421454 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 7/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449905 | Base | XXX | XXX | XXX | 34421469 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  | The file is missing one or more of the core documents required for a review. Please provide a Note, Security Instrument, initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's or TIL's, GFE's and HUD1's. |  |  |  | 9/XX/2021 |  | MN | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (43-Q) | 2024/XX/26: Refute - Documents loaded to Box in Folder: "Exception Support: Incomplete Loan Images or File" | 2025/XX/04: Sufficient documentation has been provided for initial review. |
| 6452449905 | Base | XXX | XXX | XXX | 34421472 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2021 | 9/XX/2022 | MN | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/04: Client elected to waive |
| 6452449457 | Base | XXX | XXX | XXX | 34421478 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The last appraisal inspection date is XX/XX/XXXX. There was FEMA disaster dated XX/XX/XXXX. Need a post-disaster inspection from indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: BPO extract provided with current inspection dates showing no damage. |
| 6452449457 | Base | XXX | XXX | XXX | 34421479 | compliance | 1 | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) | Most recent signed and dated 1040/P&L statement/Balance Sheet document missing in loan file. |  |  |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: Loan has been re designated at client request |
| 6452449457 | Base | XXX | XXX | XXX | 34421480 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Most recent signed and dated 1040/P&L statement/Balance Sheet document missing in loan file. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: Loan has been re designated at client request |
| 6452449457 | Base | XXX | XXX | XXX | 34421481 | compliance | 2 | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on post Closing Disclosure. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449457 | Base | XXX | XXX | XXX | 34421484 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449770 | Base | XXX | XXX | XXX | 34421512 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 92.00000% exceeds Guideline loan to value percentage of 90.00000%. | Calculated loan to value percentage of 92.00000% exceeds Guideline loan to value percentage of 90.00000%. |  |  |  | 9/XX/2021 |  | MN | Purchase | Primary | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/17: Client elects to waive with comp factors |
| 6452449770 | Base | XXX | XXX | XXX | 34421513 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 92.00000% exceeds Guideline combined loan to value percentage of 90.00000%. | Calculated combined loan to value percentage of 92.00000% exceeds Guideline combined loan to value percentage of 90.00000%. |  |  |  | 9/XX/2021 |  | MN | Purchase | Primary | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/17: Client elects to waive with comp factor. |
| 6452450729 | Base | XXX | XXX | XXX | 34421519 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area provide A post disaster inspection verifying there was no damage the inspection must include exterior photos and the property must be re-inspected on or after . 09/XX/2024 declared end date. |  |  |  | 1/XX/2022 |  | IL | Refinance - Cash-out - Home Improvement | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450729 | Base | XXX | XXX | XXX | 34421520 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2021) | Verification final Appraisal report was delivered to borrower at least 3 business days prior to closing was not provided. |  |  |  | 1/XX/2022 |  | IL | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450729 | Base | XXX | XXX | XXX | 34421523 | compliance | 1 | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  | 1/XX/2022 | 1/XX/2025 | IL | Refinance - Cash-out - Home Improvement | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Refuted. LO was licensed and authorized to represent XXX from 11/XX/2008 to 01/XX/2024. This transaction closed on 1/XX/2022 Screen shot of NMLS website provided | 2025/XX/12: NLO is listed on the NMLS site |
| 6452450729 | Base | XXX | XXX | XXX | 34421524 | compliance | 1 | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. |): Individual Loan Originator not NMLS licensed or registered at time of application. |  | "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages.<br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation." |  | 1/XX/2022 | 1/XX/2025 | IL | Refinance - Cash-out - Home Improvement | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/10: NMLS License provided | 2025/XX/12: MLO is in the NMLS site |
| 6452450729 | Base | XXX | XXX | XXX | 34421525 | compliance | 1 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  | 1/XX/2022 |  | IL | Refinance - Cash-out - Home Improvement | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/21: Loan is construction with interest only payments, underwritten to General ATR. 1008 supplied. | 2025/XX/27: Exception cleared. |
| 6452450729 | Base | XXX | XXX | XXX | 34421527 | compliance | 2 | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 01/XX/2022 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/01/XX/2022) | Final Closing Disclosure provided on 01/XX/2022 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | IL | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450729 | Base | XXX | XXX | XXX | 34421530 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/01/XX/2022) | Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | IL | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM | 2025/XX/16: Interest only term on CD is for 12 months. Addendum to Mortgage Note also indicates interest only during construction phase of 12 months. Last payment for interest only will be different than last payment for entire loan as interest only period is only for 12 months. First payment of interest only will be due 3/XX/2022 and first payment of interest+principal will be 3/XX/2023 which aligns with note.<br>As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month | 2025/XX/17: SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br>2025/XX/04: Client elected to waive |
| 6452450729 | Base | XXX | XXX | XXX | 34421534 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed. (Final/01/XX/2022) | Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | IL | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449698 | Base | XXX | XXX | XXX | 34421536 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | due to VVOE is missing of borrower |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2022 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Closing Date: 6/XX/2022. Employment re-verified on 6/XX/2022 with letter from XXX, which was within 10 days of closing. | 2025/XX/19: Exception cleared. Reverification of employment within 10 days of note date was provided. |
| 6452449698 | Base | XXX | XXX | XXX | 34421537 | compliance | 1 | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) | A letter from borrower's employer dated 6/XX/2022 was provided and within 10 business days of the Note date of 6/XX/2022 |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 6/XX/2022 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Closing Date: 6/XX/2022. Employment re-verified on 6/XX/2022 with letter from XXX, which was within 10 days of closing. | 2025/XX/19: Exception cleared. Reverification of employment within 10 days of note date was provided. |
| 6452449698 | Base | XXX | XXX | XXX | 34421540 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/06/XX/2022) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2022 did not disclose an accurate Index as reflected on the Note.. Due to year one (1) is an interest only payment. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449698 | Base | XXX | XXX | XXX | 34421542 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/06/XX/2022) | Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan...Due to year one (1) is an interest only payment. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449698 | Base | XXX | XXX | XXX | 34421543 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2022) | Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449698 | Base | XXX | XXX | XXX | 34421544 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2022 are overdisclosed. (Final/06/XX/2022) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2022 are over disclosed |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449698 | Base | XXX | XXX | XXX | 34421545 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8603) | Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449698 | Base | XXX | XXX | XXX | 34421546 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 10/XX/2006 | A letter from borrower's employer dated 6/XX/2022 was provided and within 10 business days of the Note date of 6/XX/2022 |  |  |  | 6/XX/2022 |  | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452449997 | Base | XXX | XXX | XXX | 34421564 | credit | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Replacement cost estimator is missing. |  |  |  | 11/XX/2022 |  | MO | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Trailing documents provided | 2025/XX/10: Policy provided was not active at the time of closing. Exception remains open.<br>2025/XX/21: Lender explanation/calculation provided. Acceptable. |
| 6452449997 | Base | XXX | XXX | XXX | 34421565 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2022) | Copy of appraisal is required to be delivered to borrower within 3 business days prior to closing. |  |  |  | 11/XX/2022 |  | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449997 | Base | XXX | XXX | XXX | 34421567 | compliance | 2 | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 11/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/11/XX/2022) | Information is not available. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449997 | Base | XXX | XXX | XXX | 34421568 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 11/XX/2022 are overdisclosed. (Final/11/XX/2022) | MI is under disclosed on page 4 of the final closing disclosure. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449997 | Base | XXX | XXX | XXX | 34421569 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Valid change of circumstance or sufficient cure is missing. |  |  |  | 11/XX/2022 | 11/XX/2023 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449997 | Base | XXX | XXX | XXX | 34421570 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Valid change of circumstance or sufficient cure is missing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449997 | Base | XXX | XXX | XXX | 34421571 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deferral Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7348) | Valid change of circumstance or sufficient cure is missing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449997 | Base | XXX | XXX | XXX | 34421574 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 11/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/11/XX/2022) | As per the final closing disclosure its 12 months interest only. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM | 2024/XX/30: Per Exception Information , construction loan product with first year being interest only. Remaining yearts contain interest. Projected payments indicates first year as interest only and remaining years with interest included, Monthly Principal & Interest indicates only interest through month 12 as does AP table.<br>2025/XX/16: As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month | 2024/XX/31: Final CD reflects page 1 Loan Terms - monthly principal & interest that "Includes only interest and no principal until mo. 12", however, the promissory note and const loan allonge reflect that the interest only period is for full 12 months and would be "until" mo 13". Corrected CD and LOE to borrower.<br>2025/XX/17: SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br>2025/XX/04: Client elected to waive |
| 6452449997 | Base | XXX | XXX | XXX | 34421575 | compliance | 1 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 11/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/11/XX/2022) | Final Closing Disclosure provided on 11/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2025 | MO | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Calculation is accurate. Amortization Calculator provided which shows $XXX in PPFC, $XXX Loan Costs,$XXX for MI. First year is interest only. 4.146% index for 6.875% fully amortized rate. Difference provided seems to be the difference in the first payment and second payment. First months interest is not for the full month, but prorated from the day of disbursement on a 360 day calculation. First payment is $XXX prorated. | 2025/XX/06: TOP accurate based on actual days interest on first payment |
| 6452450476 | Base | XXX | XXX | XXX | 34421592 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2022 are overdisclosed. (Final/06/XX/2022) | Escrowed property cost over year 1 disclosed as $XXX on the final closing disclosure. However, calculated at $XXX. Monthly taxes 1062.50 and Insurance $XXX. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450476 | Base | XXX | XXX | XXX | 34421594 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 01/XX/2022 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/01/XX/2022) | Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450476 | Base | XXX | XXX | XXX | 34421595 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2654380) | Final Closing Disclosure provided on 06/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450476 | Base | XXX | XXX | XXX | 34421596 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2654381) | Final Closing Disclosure provided on 06/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450476 | Base | XXX | XXX | XXX | 34421597 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/06/XX/2022) | Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450476 | Base | XXX | XXX | XXX | 34421598 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2022) | Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450476 | Base | XXX | XXX | XXX | 34421599 | credit | 2 | REO Documents are missing. | Address: XXX, MO Tax Verification |  |  |  |  | 6/XX/2022 |  | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452450476 | Base | XXX | XXX | XXX | 34421600 | compliance | 1 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2022 |  | MO | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: loan is general atr since it's construction/listed as such on 1008. Dti does not exceed guidelines (matrix uploaded). | 2025/XX/21: DTI meets guideline requirement. |
| 6452450476 | Base | XXX | XXX | XXX | 34421601 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 06/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/06/XX/2022) | CD disclosed $XXX TOP. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450476 | Base | XXX | XXX | XXX | 34421602 | credit | 1 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.74352% exceeds Guideline total debt ratio of 43.00000%. | DTI 43.98122% exceeds 43%. |  |  |  | 6/XX/2022 |  | MO | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade.<br>2025/XX/21: DTI meets guideline requirement. |
| 6452450476 | Base | XXX | XXX | XXX | 34421603 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI exceeds guidelines |  |  |  | 6/XX/2022 |  | MO | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: loan is general atr since it's construction/listed as such on 1008. Dti does not exceed guidelines (matrix uploaded). | 2025/XX/21: DTI meets guideline requirement. |
| 6452450476 | Base | XXX | XXX | XXX | 34421604 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/06/XX/2022) | DTI exceeds threshold. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2022 | 6/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450476 | Base | XXX | XXX | XXX | 34421605 | compliance | 1 | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.74352% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | 6/XX/2022 |  | MO | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: loan is general atr since it's construction/listed as such on 1008. Dti does not exceed guidelines (matrix uploaded). | 2025/XX/21: DTI meets guideline requirement. |
| 6452450282 | Base | XXX | XXX | XXX | 34421632 | compliance | 1 | Construction Addendum/Allonge Incomplete - Combined Disclosure Type (Subject To High Cost) | Construction to Perm Incomplete Note – Combined Disclosures - Construction Phase Addendum/Rider or Construction Loan Agreement containing construction phase loan terms not in file. Construction phase terms sourced from final approval and other loan documents in file for compliance testing purposes. |  |  |  |  | 5/XX/2022 |  | IL | Refinance - Limited Cash-out GSE | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/10: Refuted. Provided construction addendum to note, construction loan agreement and loan terms summary | 2025/XX/22: Provided construction loan agreement, exception cleared. |
| 6452450282 | Base | XXX | XXX | XXX | 34421633 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2022 are overdisclosed. (Final/05/XX/2022) |  |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2022 | 5/XX/2023 | IL | Refinance - Limited Cash-out GSE | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450282 | Base | XXX | XXX | XXX | 34421634 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/05/XX/2022) | Interest Only until term and/or frequency is blank or does not match the terms of the note. " |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2022 | 5/XX/2023 | IL | Refinance - Limited Cash-out GSE | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM | 2025/XX/16: Interest only term on CD is for 12 months. Addendum to Mortgage Note also indicates interest only during construction phase of 12 months. Last payment for interest only will be different than last payment for entire loan as interest only period is only for 12 months. First payment of interest only will be due 6/XX/2022 and first payment of interest+principal will be 6/XX/2023 which aligns with note.<br>As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month | 2025/XX/17: SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br>2025/XX/04: Client elected to waive |
| 6452449116 | Base | XXX | XXX | XXX | 34421643 | compliance | 2 | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 9/XX/2022 |  | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449116 | Base | XXX | XXX | XXX | 34421648 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 09/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/09/XX/2022) | Final Closing Disclosure provided on 09/XX/2022 did not disclose an accurate Index as reflected on the Note |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449116 | Base | XXX | XXX | XXX | 34421649 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2654568) | Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449116 | Base | XXX | XXX | XXX | 34421650 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2654569) | Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449116 | Base | XXX | XXX | XXX | 34421651 | property | 1 | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: 08/XX/2022 |  |  |  |  | 9/XX/2022 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: The 1004D appraisal and review have been attached | 2025/XX/12: The note date and appraisal inspection date are in year 2022, and form 442 is in year 2024.<br>2025/XX/24: Cleared |
| 6452449116 | Base | XXX | XXX | XXX | 34421652 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 9/XX/2022 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449116 | Base | XXX | XXX | XXX | 34421653 | credit | 2 | Guideline Requirement: Amortization term discrepancy. | Note amortization term of 348 does not match Guideline amortization term of 360. |  |  |  |  | 9/XX/2022 |  | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452449116 | Base | XXX | XXX | XXX | 34421654 | credit | 2 | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of $XXX is greater than Guideline maximum loan amount of $XXX. |  |  |  |  | 9/XX/2022 |  | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452449116 | Base | XXX | XXX | XXX | 34421655 | credit | 2 | Guideline Requirement: Term discrepancy. | Note term of 348 does not match Guideline term of 360. |  |  |  |  | 9/XX/2022 |  | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452449116 | Base | XXX | XXX | XXX | 34421656 | compliance | 2 | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2022 incorrectly disclosed the First Change period according to the disclosed Loan Product. (Final/09/XX/2022) | Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2022 incorrectly disclosed the First Change period according to the disclosed Loan Product. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449116 | Base | XXX | XXX | XXX | 34421657 | compliance | 2 | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/09/XX/2022) | Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449116 | Base | XXX | XXX | XXX | 34421658 | credit | 2 | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | 9/XX/2022 |  | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452449116 | Base | XXX | XXX | XXX | 34421659 | credit | 2 | Purchase contract date not provided. |  |  |  |  |  | 9/XX/2022 |  | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452449116 | Base | XXX | XXX | XXX | 34421660 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2022 are overdisclosed. (Final/09/XX/2022) |  |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449116 | Base | XXX | XXX | XXX | 34421661 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/09/XX/2022) | Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450746 | Base | XXX | XXX | XXX | 34421683 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  | 10/XX/2022 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450746 | Base | XXX | XXX | XXX | 34421686 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | VVOE for borrower and co-borrower are not within 10 days of Note date as required by guidelines. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 10/XX/2022 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/30: I agree with this finding. Verbals in file were done 10/XX/22. Note date is more than 10 days later. I did not find an updated verbal or WVOE within 10 days of note date in file. | 2025/XX/06: Exception cleared. Employmetn verified as required. |
| 6452450746 | Base | XXX | XXX | XXX | 34421687 | compliance | 1 | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | VVOE for borrower and co-borrower are not within 10 days of Note date as required by guidelines. |  |  |  | 10/XX/2022 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/30: I agree with this finding. Verbals in file were done 10/XX/22. Note date is more than 10 days later. I did not find an updated verbal or WVOE within 10 days of note date in file. | 2025/XX/06: Exception cleared. VVOE for each current job was performed within 10 business days of the note date. |
| 6452450746 | Base | XXX | XXX | XXX | 34421688 | credit | 1 | Income documentation requirements not met. |  | VVOEs for borrower and co-borrower are not within 10n days of Note date, as required by guidelines. |  |  |  | 10/XX/2022 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2025/XX/06: Exception cleared. VVOE for each current job was performed within 10 business days of the note date. |
| 6452450746 | Base | XXX | XXX | XXX | 34421689 | compliance | 1 | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | VVOEs for borrower and co-borrower are not within 10 days of Note date as required by guidelines. |  |  |  | 10/XX/2022 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/30: I agree with this finding. Verbals in file were done 10/XX/22. Note date is more than 10 days later. I did not find an updated verbal or WVOE within 10 days of note date in file. | 2025/XX/06: Exception cleared. Employmetn verified as required. |
| 6452449152 | Base | XXX | XXX | XXX | 34421692 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. |  |  |  | 10/XX/2022 | 10/XX/2023 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452449152 | Base | XXX | XXX | XXX | 34421693 | property | 1 | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: 10/XX/2022 | Appraiser's license or certification was not active at the time of the appraisal. |  |  |  | 10/XX/2022 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) | 2025/XX/08: appraisal uploaded with license listed and expires well after closing | 2025/XX/16: Provided appraisers license showing active at origination |
| 6452449152 | Base | XXX | XXX | XXX | 34421694 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end Date. |  |  |  | 10/XX/2022 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450467 | Base | XXX | XXX | XXX | 34421742 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 1/XX/2017 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452450467 | Base | XXX | XXX | XXX | 34421743 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) | Loan Designation discrepancy due to asset depletion used for income. Lender exception in file. |  |  |  | 1/XX/2017 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452450467 | Base | XXX | XXX | XXX | 34421744 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan Designation discrepancy due to asset depletion used for income. Lender exception in file. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2017 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452450467 | Base | XXX | XXX | XXX | 34421745 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2017 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 01/XX/2017). (Final/01/XX/2017) | Disclosed Finance Charges are $XXX. Due Diligence Finance Charges are $XXX. There is a variance of $XXX, |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2017 | 1/XX/2018 | RI | Refinance - Cash-out - Other | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450467 | Base | XXX | XXX | XXX | 34421746 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2017 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2017). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold. (Final/01/XX/2017) | Final Closing Disclosure outlays a total payment of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2017 | 1/XX/2018 | RI | Refinance - Cash-out - Other | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450467 | Base | XXX | XXX | XXX | 34421747 | compliance | 2 | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 01/XX/2017 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2017 | 1/XX/2018 | RI | Refinance - Cash-out - Other | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450467 | Base | XXX | XXX | XXX | 34421748 | credit | 2 | Missing Document: AUS not provided |  | File is missing final AUS; final 1008 showing AUS approved was used for review. |  |  |  | 1/XX/2017 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450467 | Base | XXX | XXX | XXX | 34421749 | credit | 2 | AUS/Guideline Findings: All conditions were not met |  | File is missing final AUS; final 1008 showing AUS approved was used for review. |  |  |  | 1/XX/2017 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450467 | Base | XXX | XXX | XXX | 34421750 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2017 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451213 | Base | XXX | XXX | XXX | 34421757 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. The most recent inspection is dated prior to the recent FEMA disaster. |  |  |  | 2/XX/2017 |  | CT | Purchase | Investment | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452451213 | Base | XXX | XXX | XXX | 34421758 | credit | 2 | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 61.88750% exceeds AUS total debt ratio of 30.00000%. | Borrower is a partner and earns K1 partnership income. It is not allowable to be a partner and also be an employee. Lender used wage income instead of the partnership income to qualify. Using just the partnership income brings the DTI to 61.89% and out of tolerance. |  |  |  | 2/XX/2017 |  | CT | Purchase | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor. |
| 6452451213 | Base | XXX | XXX | XXX | 34421759 | credit | 2 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 61.88750% exceeds Guideline total debt ratio of 50.00000%. | Borrower is a partner and earns K1 partnership income. It is not allowable to be a partner and also be an employee. Lender used wage income instead of the partnership income to qualify. Using just the partnership income brings the DTI to 61.89% and out of tolerance. |  |  |  | 2/XX/2017 |  | CT | Purchase | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor . |
| 6452451213 | Base | XXX | XXX | XXX | 34421760 | credit | 2 | Income documentation requirements not met. |  | Failure due to discrepancy in lender calculated income compared to our calculation of income. Various businesses provided as all been considered as partnership and they cannot pay themselves with a w-2 from the partnership but only pay employees so w-2 income have all been excluded. |  |  |  | 2/XX/2017 |  | CT | Purchase | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor. |
| 6452449761 | Base | XXX | XXX | XXX | 34421764 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) | The provided originator loan designation is Safe Harbor QM. However, Appendix Q does not allow use of Asset Depletion income. |  |  |  | 3/XX/2017 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452449761 | Base | XXX | XXX | XXX | 34421765 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2017) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 3/XX/2017 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449761 | Base | XXX | XXX | XXX | 34421766 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | The provided originator loan designation is Safe Harbor QM. However, Appendix Q does not allow use of Asset Depletion income. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2017 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452449761 | Base | XXX | XXX | XXX | 34421768 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $XXX. No valid COC provided, cure provided at closing. |  |  |  | 3/XX/2017 | 3/XX/2018 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449761 | Base | XXX | XXX | XXX | 34421769 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2017 | 3/XX/2018 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449761 | Base | XXX | XXX | XXX | 34421770 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2017 | 3/XX/2018 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449761 | Base | XXX | XXX | XXX | 34421771 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2017 |  | MA | Purchase | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449425 | Base | XXX | XXX | XXX | 34421772 | credit | 2 | REO Documents are missing. | Address: XXX, MA HOA Verification | HOA Verification missing on file |  |  |  | 4/XX/2017 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: .Client elects to waive with compensating factor. |
| 6452449425 | Base | XXX | XXX | XXX | 34421773 | credit | 2 | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.79398% exceeds AUS total debt ratio of 44.00000%. | Calculated income is $XXX less than AUS income and primary housing expense is $XXX higher than AUS. |  |  |  | 4/XX/2017 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor. |
| 6452449893 | Base | XXX | XXX | XXX | 34421782 | compliance | 2 | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2017) | Appraisal Delivery dated 9/XX/2017. Latest Appraisal documented is dated 10/XX/2017. |  |  |  | 10/XX/2017 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452450262 | Base | XXX | XXX | XXX | 34421826 | credit | 1 | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  |  |  |  |  | 8/XX/2018 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 12/XX/2024 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) | 2024/XX/24: Binder lists replacement cost coverage with "walls in" / "all in" coverage. | 2024/XX/31: "Walls in" is mentioned in coverage comment of Hazard Insurance document. Exception Cleared. |
| 6452450262 | Base | XXX | XXX | XXX | 34421829 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 8/XX/2018 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2025/XX/14: Client elects to waive with compensating factor. |
| 6452450262 | Base | XXX | XXX | XXX | 34421830 | compliance | 2 | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/08/XX/2018) | Appraisal Delivery dated 7/XX/2018. Latest Appraisal documented is dated 8/XX/2018. |  |  |  | 8/XX/2018 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2025/XX/04: Client elected to waive |
| 6452449344 | Base | XXX | XXX | XXX | 34421873 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2020 | 9/XX/2021 | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449344 | Base | XXX | XXX | XXX | 34421874 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 9/XX/2020 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450920 | Base | XXX | XXX | XXX | 34421878 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 11/XX/2019 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450920 | Base | XXX | XXX | XXX | 34421880 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Evidence of ARM loan program disclosure not in file. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 11/XX/2019 | 11/XX/2020 | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450920 | Base | XXX | XXX | XXX | 34421881 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 11/XX/2019 | 11/XX/2020 | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450920 | Base | XXX | XXX | XXX | 34421882 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14686948) | Loan Designation discrepancy due to employment history requirement not met. Borrower was a law student prior to documented employment. Exception located in file. |  |  |  | 11/XX/2019 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: Borrower was 6 months into employment as XXX. Previously in XXX. Not using coborrower income. Assets in excess of $XXX verified<br>2025/XX/03: Appendix Q Section A 2 ii. Allows for a lender to use the borrowers school history towards the two year employment history "A. Stability of Income<br> 1. Effective Income. Income may not be used in calculating the consumer's debt-to-income ratio if it comes from any source that cannot be verified, is not stable, or will not continue.<br>2. Verifying Employment History.<br>a. The creditor must verify the consumer's employment for the most recent two full years, and the creditor must require the consumer to:<br>i. Explain any gaps in employment that span one or more months, and<br>ii. Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers.<br>b. Allowances can be made for seasonal employment, typical for the building trades and agriculture, if documented by the creditor."<br>2025/XX/06: Appendix Q Section A 2 ii. Allows for a lender to use the borrowers school history towards the two year employment history "A. Stability of Income<br> 1. Effective Income. Income may not be used in calculating the consumer's debt-to-income ratio if it comes from any source that cannot be verified, is not stable, or will not continue.<br>2. Verifying Employment History.<br>a. The creditor must verify the consumer's employment for the most recent two full years, and the creditor must require the consumer to:<br>i. Explain any gaps in employment that span one or more months, and<br>ii. Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers.<br>b. Allowances can be made for seasonal employment, typical for the building trades and agriculture, if documented by the creditor." | 2024/XX/31: Exception is generated due to Loan designation of Safe Harbor. This is a requirement per Safe Harbor guides.<br>2025/XX/06: Documentation of schooling, including dates, transcripts and/or degree were not found. Exception remains.<br>2025/XX/07: Borrower's prior employment with XXX was verified with a borrower attestation email. However, a 2 year employment history has still not been verified. The borrower stated a prior employment as a XXX but only listed the end date. File is missing the XXX college transcripts and/or diploma to verify the start and ending dates. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452450920 | Base | XXX | XXX | XXX | 34421883 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan Designation discrepancy due to employment history requirement not met. Borrower was a law student prior to documented employment. Exception located in file. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2019 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: Borrower was 6 months into employment as XXX. Previously in XXX. Not using coborrower income. Assets in excess of $XXX verified<br>2025/XX/03: Appendix Q Section A 2 ii. Allows for a lender to use the borrowers school history towards the two year employment history "A. Stability of Income<br> 1. Effective Income. Income may not be used in calculating the consumer's debt-to-income ratio if it comes from any source that cannot be verified, is not stable, or will not continue.<br>2. Verifying Employment History.<br>a. The creditor must verify the consumer's employment for the most recent two full years, and the creditor must require the consumer to:<br>i. Explain any gaps in employment that span one or more months, and<br>ii. Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers.<br>b. Allowances can be made for seasonal employment, typical for the building trades and agriculture, if documented by the creditor."<br>2025/XX/06: Appendix Q Section A 2 ii. Allows for a lender to use the borrowers school history towards the two year employment history "A. Stability of Income<br> 1. Effective Income. Income may not be used in calculating the consumer's debt-to-income ratio if it comes from any source that cannot be verified, is not stable, or will not continue.<br>2. Verifying Employment History.<br>a. The creditor must verify the consumer's employment for the most recent two full years, and the creditor must require the consumer to:<br>i. Explain any gaps in employment that span one or more months, and<br>ii. Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers.<br>b. Allowances can be made for seasonal employment, typical for the building trades and agriculture, if documented by the creditor." | 2024/XX/31: Exception is generated due to Loan designation of Safe Harbor. This is a requirement per Safe Harbor guides.<br>2025/XX/06: Documentation of schooling, including dates, transcripts and/or degree were not found. Exception remains.<br>2025/XX/07: EXCEPTION HISTORY - Exception Detail was updated on 01/XX/2025 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.<br>2025/XX/07: Borrower's prior employment with XXX was verified with a borrower attestation email. However, a 2 year employment history has still not been verified. The borrower stated a prior employment as a XXX but only listed the end date. File is missing the law school college transcripts and diploma to verify the start and ending dates. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452450920 | Base | XXX | XXX | XXX | 34421884 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan Designation discrepancy due to DTI higher than 43%. |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 11/XX/2019 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: See attached AUS and QM screenshots<br>2025/XX/03: See attached AUS. Loan should be Temporary SHQM. Loan was manually underwritten to agency guidelines meeting the requirement for temporary shqm as it would have been eligible for purchase.<br>2025/XX/06: See attached AUS. Loan should be Temporary SHQM. Loan was manually underwritten to agency guidelines meeting the requirement for temporary shqm as it would have been eligible for purchase.<br>2025/XX/13: A manually underwritten loan can still be purchased by the GSE's. AUS is not a requirement of a GSE eligible loan. AUS was used to demonstrate that this loan was eligible for purchase. See https://selling-guide.fanniemae.com/sel/b3-1/manual-underwriting | 2024/XX/31: Loan was manually approved. Loan was approved at 45.484% which exceeds Safe harbor requirements.<br>2025/XX/07: At the time or origination through closing, the loan was manually underwritten per the 1008 and the loan designation was Safe Harbor QM. Approved and verified DTI of 45.48% exceeds the Appendix Q maximum DTI of 43.00% Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452450920 | Base | XXX | XXX | XXX | 34421885 | credit | 2 | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 632 is less than Guideline representative FICO score of 680. | Lender exception in file for FICO lower than guideline minimum. |  |  |  | 11/XX/2019 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450920 | Base | XXX | XXX | XXX | 34421886 | credit | 2 | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2019 | Borrower's prior employment with XXX was verified with a borrower attestation email. However, a 2 year employment history has still not been verified. The borrower stated a prior employment as a XXX but only listed the end date. File is missing the XXX college transcripts and/or diploma to verify the start and ending dates. Exception remains. |  |  |  | 11/XX/2019 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450920 | Base | XXX | XXX | XXX | 34421887 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Loan Designation discrepancy due to employment history requirement not met. Borrower was a law student prior to documented employment. Exception located in file. |  |  |  | 11/XX/2019 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 12/XX/2024 |  | Yes |  |  | Non QM | 2024/XX/26: Borrower was 6 months into employment as XXX. Previously in XXX. Not using coborrower income. Assets in excess of $XXX verified | 2024/XX/31: Received required documentation. Condition cleared. |
| 6452450920 | Base | XXX | XXX | XXX | 34421889 | credit | 1 | Income documentation requirements not met. |  | Loan Designation discrepancy due to employment history requirement not met. Borrower was a law student prior to documented employment. Exception located in file. |  |  |  | 11/XX/2019 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 12/XX/2024 |  | Yes |  |  | Non QM |  | 2024/XX/31: Received required documentation. Condition cleared. |
| 6452450920 | Base | XXX | XXX | XXX | 34421890 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan Designation discrepancy due to employment history requirement not met. Borrower was a law student prior to documented employment. Exception located in file. |  |  |  | 11/XX/2019 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: Borrower was 6 months into employment as XXX. Previously in XXX. Not using coborrower income. Assets in excess of $XXX verified<br>2025/XX/03: Appendix Q Section A 2 ii. Allows for a lender to use the borrowers school history towards the two year employement history "A. Stability of Income<br> 1. Effective Income. Income may not be used in calculating the consumer's debt-to-income ratio if it comes from any source that cannot be verified, is not stable, or will not continue.<br>2. Verifying Employment History.<br>a. The creditor must verify the consumer's employment for the most recent two full years, and the creditor must require the consumer to:<br>i. Explain any gaps in employment that span one or more months, and<br>ii. Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers.<br>b. Allowances can be made for seasonal employment, typical for the building trades and agriculture, if documented by the creditor."<br>2025/XX/06: Appendix Q Section A 2 ii. Allows for a lender to use the borrowers school history towards the two year employement history "A. Stability of Income<br> 1. Effective Income. Income may not be used in calculating the consumer's debt-to-income ratio if it comes from any source that cannot be verified, is not stable, or will not continue.<br>2. Verifying Employment History.<br>a. The creditor must verify the consumer's employment for the most recent two full years, and the creditor must require the consumer to:<br>i. Explain any gaps in employment that span one or more months, and<br>ii. Indicate if he/she was in school or the military for the recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers.<br>b. Allowances can be made for seasonal employment, typical for the building trades and agriculture, if documented by the creditor." | 2024/XX/31: Exception generated due to Safe Harbor requirements.<br>2025/XX/06: Documentation of schooling, including dates, transcripts and/or degree were not found. Exception remains.<br>2025/XX/07: Upon further review this exception has been cleared. |
| 6452450920 | Base | XXX | XXX | XXX | 34421892 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2019 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450021 | Base | XXX | XXX | XXX | 34421933 | credit | 2 | REO Documents are missing. | Address: XXX, MA HOA Verification | The file is missing the HOA dues documentation for this property. Please provide for review. |  |  |  | 7/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450021 | Base | XXX | XXX | XXX | 34421934 | credit | 2 | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXX is less than Guideline Available for Reserves of $XXX. |  |  |  |  | 7/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449197 | Base | XXX | XXX | XXX | 34421968 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 5/XX/2020 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450133 | Base | XXX | XXX | XXX | 34421978 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2020) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 4/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452450133 | Base | XXX | XXX | XXX | 34421979 | credit | 1 | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Status is missing. |  |  |  | 4/XX/2020 |  | MA | Purchase | Investment | Yes<br> A | 7/XX/2025 | 12/XX/2024 |  | Yes |  |  | N/A | 2024/XX/24: See attached | 2024/XX/31: Exception Cleared - Received Verification of Non-US Citizen for borrower associated the same. |
| 6452450537 | Base | XXX | XXX | XXX | 34421982 | credit | 1 | Hazard Insurance Error: Missing HO-6 policy, blanket hazard insurance policy provided does not contain unit interior coverage. |  | HO6 not required with "All In" Blanket Coverage |  |  |  | 10/XX/2020 |  | MA | Refinance - Rate/Term | Investment | Yes<br> A | 7/XX/2025 | 12/XX/2024 |  | Yes |  |  | N/A | 2024/XX/24: Binder lists replacement cost coverage with "walls in" / "all in" coverage. | 2024/XX/31: "All in" is mentioned in coverage comment of Hazard Insurance document. Exception Cleared. |
| 6452450537 | Base | XXX | XXX | XXX | 34421983 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 10/XX/2020 |  | MA | Refinance - Rate/Term | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449146 | Base | XXX | XXX | XXX | 34422002 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement: E-sign Consent Agreement is missing. |  |  |  | 5/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449146 | Base | XXX | XXX | XXX | 34422004 | compliance | 2 | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2020 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 05/XX/2020). (Final/05/XX/2020) | The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX . |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2020 | 5/XX/2021 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449146 | Base | XXX | XXX | XXX | 34422005 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2020 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 05/XX/2020). (Final/05/XX/2020) | The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2020 | 5/XX/2021 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452450506 | Base | XXX | XXX | XXX | 34422029 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/2009 | Verbal verification of employment within 10 business days of the Note is missing from file. |  |  |  | 8/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450506 | Base | XXX | XXX | XXX | 34422030 | credit | 2 | Income documentation requirements not met. |  | Verbal verification of employment within 10 business days of the Note is missing from file. |  |  |  | 8/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449273 | Base | XXX | XXX | XXX | 34422032 | credit | 2 | Missing Document: COVID-19 Attestation not provided |  | COVID-19 Attestation missing on file |  |  |  | 3/XX/2021 |  | RI | Refinance - Cash-out - Other | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449579 | Base | XXX | XXX | XXX | 34422033 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 8/XX/2020 |  | RI | Refinance - Cash-out - Other | Investment | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452451044 | Base | XXX | XXX | XXX | 34422043 | credit | 1 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 9/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: E-Sign Consent Agreement Attached | 2025/XX/03: E-sign Consent Agreement document received and associated. Exception Cleared. |
| 6452451044 | Base | XXX | XXX | XXX | 34422044 | credit | 1 | Missing evidence of current Insurance Expense for property. | Address: XXX, MA, Address: XXX, MA |  |  |  |  | 9/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Properties are condos, HOA fees were verified which includes insurance. | 2025/XX/03: Schedule E document associated for Insurance and HOA. Insurance expense is not being considered. Exception Cleared. |
| 6452451044 | Base | XXX | XXX | XXX | 34422046 | compliance | 1 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) |  |  |  |  | 9/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Tax returns attached which show property on schedule e | 2025/XX/06: The Lease Agreement was not found as required per Appendix Q. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452451044 | Base | XXX | XXX | XXX | 34422047 | compliance | 1 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) |  |  |  |  | 9/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Tax returns attached which show property on schedule e | 2025/XX/06: The Lease Agreement was not found as required per Appendix Q. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452451044 | Base | XXX | XXX | XXX | 34422048 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2020) |  |  |  |  | 9/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451044 | Base | XXX | XXX | XXX | 34422050 | compliance | 2 | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  | 9/XX/2020 | 9/XX/2023 | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451044 | Base | XXX | XXX | XXX | 34422052 | compliance | 1 | General Ability To Repay Provision Income and Assets - Schedule D | Ability to Repay (Dodd-Frank 2014): Unable to verify XXX income using reasonably reliable third-party records. (XXX XXX/Schedule D) | Unable to verify XXX income using reasonably reliable third-party records. (XXX XXX/Schedule D) |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 9/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Agree that 3rd party records not provided however, 3 years of tax returns showing increasing XXX, capital gain is from buying and selling of businesses as evidenced in tax returns and schedule e. | 2025/XX/03: Signed 1040 documents received and associated. Exception Cleared. |
| 6452451044 | Base | XXX | XXX | XXX | 34422054 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 9/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: See above | 2025/XX/06: EXCEPTION HISTORY - Exception Detail was updated on 01/XX/2025 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail.<br>2025/XX/06: The Lease Agreement for the investment properties were not found as required per Appendix Q. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452451044 | Base | XXX | XXX | XXX | 34422055 | credit | 2 | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 675 is less than Guideline representative FICO score of 680. | Guideline Requirement: Representative FICO score discrepancy. |  |  |  | 9/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM | 2025/XX/02: Lates are from 2014 and 2015. Exception granted for credit due to strong payment history with XXX (greater then one year of onetime payments), and Low LTV | 2025/XX/03: Lender Exception document is required for FICO score discrepancy. Exception Remains.<br>2025/XX/15: Client elects to waive with compensating factors. |
| 6452451044 | Base | XXX | XXX | XXX | 34422056 | credit | 1 | REO Documents are missing. | Address: XXX, MA, Address: XXX, MA Insurance Verification<br> Insurance Verification |  |  |  |  | 9/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Properties are condos, HOA fees were verified which includes insurance. | 2025/XX/03: Schedule E document associated for Insurance and HOA. Insurance expense is not being considered. Exception Cleared. |
| 6452451044 | Base | XXX | XXX | XXX | 34422057 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 9/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449687 | Base | XXX | XXX | XXX | 34422074 | credit | 2 | REO Documents are missing. | Address: XXX, MA Insurance Verification, Tax Verification |  |  |  |  | 12/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449082 | Base | XXX | XXX | XXX | 34422080 | credit | 2 | REO Documents are missing. | Address: XXX, MA Insurance Verification, Tax Verification | Require hazard insurance policy and tax certificate for primary property. |  |  |  | 10/XX/2020 |  | MA | Refinance - Rate/Term | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449082 | Base | XXX | XXX | XXX | 34422081 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2020) | No evidence of appraisal being sent to borrower 3 days prior to closing. |  |  |  | 10/XX/2020 |  | MA | Refinance - Rate/Term | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452450224 | Base | XXX | XXX | XXX | 34422095 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | The file is missing copy of E-sign Consent Agreement is missing. |  |  |  | 10/XX/2020 |  | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449547 | Base | XXX | XXX | XXX | 34422115 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is missing in this file. |  |  |  | 11/XX/2020 |  | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449836 | Base | XXX | XXX | XXX | 34422120 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2020) | Evidence of receipt of appraisal 3 days prior to closing is not in file. |  |  |  | 10/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452449416 | Base | XXX | XXX | XXX | 34422125 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50% |
| 6452449416 | Base | XXX | XXX | XXX | 34422126 | credit | 2 | Income Docs Missing: | Borrower: XXX WVOE - Includes Income | B1 has been on the current job less than 2 years and the file is missing verification of prior employment. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50% |
| 6452449416 | Base | XXX | XXX | XXX | 34422127 | compliance | 1 | K-1 Documentation | Qualified Mortgage (Dodd-Frank 2014): Required K-1s or signed tax returns/transcripts not provided for K-1 (Less than 25% Ownership) income. (XXX XXX/Schedule K-1 less than 25 Percent) | B1 has been on the current job less than 2 years and the file is missing verification of prior employment. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/29: The income is greater than 25%. |
| 6452449416 | Base | XXX | XXX | XXX | 34422128 | compliance | 1 | K-1 Justification | Qualified Mortgage (Dodd-Frank 2014): K-1 (Less than 25% Ownership) income earned for less than two (2) years is not allowed. (XXX XXX/Schedule K-1 less than 25 Percent) | B1 has been on the current job less than 2 years and the file is missing verification of prior employment. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/29: The income is greater than 25%. |
| 6452449416 | Base | XXX | XXX | XXX | 34422129 | compliance | 1 | Wages Documentation | Qualified Mortgage (Dodd-Frank 2014): Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) | B2 is missing verification of the employment with XXX, to verify 2 years history. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/09: See attached VOE for XXX showing work history | 2025/XX/29: Exception cleared. |
| 6452449416 | Base | XXX | XXX | XXX | 34422130 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | B2 is missing verification of the employment with XXX, to verify 2 years history. B1 has been employed with current employer less than 2 years, and is missing previous employment verification. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449416 | Base | XXX | XXX | XXX | 34422131 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | B2 is missing verification of the employment with XXX, to verify 2 years history. B1 has been employed with current employer less than 2 years, and is missing previous employment verification. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/09: See attached VOE for XXX showing work history | 2025/XX/29: Exception cleared. |
| 6452449416 | Base | XXX | XXX | XXX | 34422133 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14693284) | B2 is missing verification of the employment with XXX, to verify 2 years history. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 2/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/09: See attached VOE for XXX showing work history | 2025/XX/29: The CoBorrower has been self employed less than two years.<br>2025/XX/24: Client restates designation to Non-QM. |
| 6452449416 | Base | XXX | XXX | XXX | 34422134 | compliance | 1 | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) | B2 is missing verification of the employment with XXX, to verify 2 years history. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/09: See attached VOE for XXX showing work history | 2025/XX/29: Exception cleared. |
| 6452449416 | Base | XXX | XXX | XXX | 34422136 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | B2 is missing verification of the employment with XXX, to verify 2 years history. B1 has been employed with current employer less than 2 years, and is missing previous employment verification. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 2/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/09: See attached VOE for XXX showing work history | 2025/XX/29: EXCEPTION HISTORY - Exception Detail was updated on 01/XX/2025 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.<br>2025/XX/24: Client restates designation to Non-QM. |
| 6452449416 | Base | XXX | XXX | XXX | 34422137 | compliance | 2 | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 10/XX/2020 not received by borrower at least four (4) business days prior to closing. (Interim/10/XX/2020) | Revised Loan Estimate provided on 10/XX/2020 not received by borrower at least four (4) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2020 | 11/XX/2021 | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449416 | Base | XXX | XXX | XXX | 34422138 | credit | 2 | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 657 is less than Guideline representative FICO score of 680. | The FICO score is below required guideline of 680. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50% |
| 6452449416 | Base | XXX | XXX | XXX | 34422139 | credit | 2 | Income documentation requirements not met. |  | B2 is missing verification of the employment with XXX, to verify 2 years history. B1 has been employed with current employer less than 2 years, and is missing previous employment verification. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50% |
| 6452449416 | Base | XXX | XXX | XXX | 34422140 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | B2 is missing verification of the employment with XXX, to verify 2 years history. B1 has been employed with current employer less than 2 years, and is missing previous employment verification. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/09: See attached VOE for XXX showing work history | 2025/XX/29: Exception cleared. |
| 6452449416 | Base | XXX | XXX | XXX | 34422141 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14687059) | B1 has been on the current job less than 2 years and the file is missing verification of prior employment. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/09: See attached VOE for XXX showing work history | 2025/XX/29: Exception cleared. |
| 6452449416 | Base | XXX | XXX | XXX | 34422142 | credit | 2 | Missing Document: Note - Subordinate Lien not provided |  |  |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50% |
| 6452449416 | Base | XXX | XXX | XXX | 34422143 | credit | 2 | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.79 is less than Guideline PITIA months reserves of 6.00. | Calculated PITIA months reserves of 2.79 is less than Guideline PITIA months reserves of 6.00. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50% |
| 6452449416 | Base | XXX | XXX | XXX | 34422144 | compliance | 1 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) |  |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 2/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/24: Client restates designation to Non-QM. |
| 6452449416 | Base | XXX | XXX | XXX | 34422145 | compliance | 1 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14687059) | Borrower in current business less than two years. |  |  |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 2/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/24: Client restates designation to Non-QM. |
| 6452449416 | Base | XXX | XXX | XXX | 34422146 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2020 |  | CT | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450864 | Base | XXX | XXX | XXX | 34422148 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 12/XX/2020 |  | RI | Purchase | Investment | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452450864 | Base | XXX | XXX | XXX | 34422149 | credit | 2 | REO Documents are missing. | Address: XXX, RI Insurance Verification, Statement, Tax Verification | Insurance Verification, Statement, Tax Verification for REO property "XXX, RI" are missing from the file. |  |  |  | 12/XX/2020 |  | RI | Purchase | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450864 | Base | XXX | XXX | XXX | 34422150 | credit | 2 | REO Documents are missing. | Address: XXX, NH Insurance Verification, Tax Verification | Insurance Verification, Tax Verification for REO property " XXX, NH" are missing from the file. |  |  |  | 12/XX/2020 |  | RI | Purchase | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450864 | Base | XXX | XXX | XXX | 34422151 | credit | 2 | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 21.96 is less than Guideline PITIA months reserves of 30.00. | Documented assets are less than required per guidelines. Lender exception in file. |  |  |  | 12/XX/2020 |  | RI | Purchase | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449809 | Base | XXX | XXX | XXX | 34422167 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2020) | Proof of appraisal delivery not provided to borrower within 3 business days of note date. |  |  |  | 12/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452449809 | Base | XXX | XXX | XXX | 34422168 | credit | 2 | The verification of employment is required and was not found in file. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/1996 | verification of employment not provided in file. |  |  |  | 12/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449809 | Base | XXX | XXX | XXX | 34422169 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/1996 | verification of employment not provided in file. |  |  |  | 12/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450627 | Base | XXX | XXX | XXX | 34422171 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 2/XX/2021 |  | RI | Refinance - Cash-out - Other | Investment | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452450406 | Base | XXX | XXX | XXX | 34422183 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 60.26316% exceeds Guideline loan to value percentage of 55.00000%. | Calculated loan to value percentage of 60.26316% exceeds Guideline loan to value percentage of 55.00000%. |  |  |  | 2/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450406 | Base | XXX | XXX | XXX | 34422184 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 60.26316% exceeds Guideline combined loan to value percentage of 55.00000%. | Calculated combined loan to value percentage of 60.26316% exceeds Guideline combined loan to value percentage of 55.00000%. |  |  |  | 2/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450406 | Base | XXX | XXX | XXX | 34422185 | credit | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | SitusAMC uses FannieMae's definition of acceptable coverage. Fannie Mae requires coverage equal to the lesser of the following:<br> 100% of the insurable value of the improvements, as established by the property insurer; or the unpaid principal balance of the mortgage, as long as it at least equals the minimum amount—80% of the insurable value of the improvements—required to compensate for damage or loss on a replacement cost basis. If it does not, then coverage that does provide the minimum required amount must be obtained. There is a shortfall of $XXX |  |  |  | 2/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> A | 7/XX/2025 | 12/XX/2024 |  | Yes |  |  | N/A | 2024/XX/24: there was both correspondence and a replacement cost estimator in the loan file confirming subject is at 100%. This was not sent to investor but will attached | 2024/XX/31: Exception cleared. Received Replacement Cost Estimator and updated correctly. |
| 6452449160 | Base | XXX | XXX | XXX | 34422189 | credit | 2 | REO Documents are missing. | Address: XXX, MA Insurance Verification, Statement, Tax Verification | Insurance Verification, Statement, Tax Verification missing for Address: XXX, MA |  |  |  | 12/XX/2020 |  | MA | Refinance - Rate/Term | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449160 | Base | XXX | XXX | XXX | 34422190 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 78.08989% exceeds Guideline loan to value percentage of 75.00000%. | Calculated loan to value percentage of 78.08989% exceeds Guideline loan to value percentage of 75.00000%. |  |  |  | 12/XX/2020 |  | MA | Refinance - Rate/Term | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449160 | Base | XXX | XXX | XXX | 34422191 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 78.08989% exceeds Guideline combined loan to value percentage of 75.00000%. | Calculated combined loan to value percentage of 78.08989% exceeds Guideline combined loan to value percentage of 75.00000%. |  |  |  | 12/XX/2020 |  | MA | Refinance - Rate/Term | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449160 | Base | XXX | XXX | XXX | 34422192 | credit | 2 | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXX // Account Type: Checking / Account Number: XXX | Provide an additional 30 days of assets. Guidelines require 2 months of statements to verify assets used for closing and/or reserves. |  |  |  | 12/XX/2020 |  | MA | Refinance - Rate/Term | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449160 | Base | XXX | XXX | XXX | 34422193 | credit | 2 | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXX is less than Guideline Available for Reserves of $XXX. | 12 months required for each investment property per guidelines. |  |  |  | 12/XX/2020 |  | MA | Refinance - Rate/Term | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449160 | Base | XXX | XXX | XXX | 34422194 | credit | 2 | Asset documentation requirements not met. |  | 2 months seasoning required. |  |  |  | 12/XX/2020 |  | MA | Refinance - Rate/Term | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450967 | Base | XXX | XXX | XXX | 34422225 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) | Waterfall due to Co-Borrower using wages and asset depletion funds. |  |  |  | 2/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452450967 | Base | XXX | XXX | XXX | 34422226 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Waterfall due to Co-Borrower using wages and asset depletion funds. |  |  |  | 2/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450967 | Base | XXX | XXX | XXX | 34422227 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Waterfall due to Co-Borrower using wages and asset depletion funds. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 2/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452450967 | Base | XXX | XXX | XXX | 34422230 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 2/XX/2021 |  | MA | Purchase | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450258 | Base | XXX | XXX | XXX | 34422233 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 2/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450258 | Base | XXX | XXX | XXX | 34422234 | credit | 2 | Missing Document: Rider - Other not provided |  | Other Rider not provided |  |  |  | 2/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450258 | Base | XXX | XXX | XXX | 34422235 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) | Loan is waterfall due to Asset Depletion income used not permitted. |  |  |  | 2/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452450258 | Base | XXX | XXX | XXX | 34422236 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan is waterfall due to Asset Depletion income used not permitted. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 2/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452450258 | Base | XXX | XXX | XXX | 34422238 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 2/XX/2021 |  | MA | Purchase | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450116 | Base | XXX | XXX | XXX | 34422243 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2021) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 5/XX/2021 |  | RI | Purchase | Investment | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452450116 | Base | XXX | XXX | XXX | 34422244 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. The most recent inspection is dated prior to the recent FEMA disaster. |  |  |  | 5/XX/2021 |  | RI | Purchase | Investment | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452450040 | Base | XXX | XXX | XXX | 34422253 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%. | Calculated LTV percentage of 75.00000% exceeds Guideline LTV percentage of 70.00000%. |  |  |  | 2/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450040 | Base | XXX | XXX | XXX | 34422254 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 65.00000%. | Calculated CLTV percentage of 75.00000% exceeds Guideline CLTV percentage of 70.00000%. |  |  |  | 2/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449339 | Base | XXX | XXX | XXX | 34422255 | credit | 2 | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date 03/XX/2021, Disbursement Date: 02/XX/2021 |  |  |  |  | 2/XX/2021 |  | MA | Refinance - Rate/Term | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451122 | Base | XXX | XXX | XXX | 34422270 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 3/XX/2021 |  | MA | Refinance - Cash-out - Home Improvement | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451122 | Base | XXX | XXX | XXX | 34422271 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) | Loan Designation discrepancy due to Asset Depletion income used in qualification. Lender exception in file. |  |  |  | 3/XX/2021 |  | MA | Refinance - Cash-out - Home Improvement | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/31: Agree loan will be general ATR | 2025/XX/05: Loan Designation restated to Non-QM per client request. |
| 6452451122 | Base | XXX | XXX | XXX | 34422274 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan Designation discrepancy due to Asset Depletion income used in qualification. Lender exception in file. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2021 |  | MA | Refinance - Cash-out - Home Improvement | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/31: Agree loan will be general ATR | 2025/XX/05: Loan Designation restated to Non-QM per client request. |
| 6452451122 | Base | XXX | XXX | XXX | 34422275 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan Designation restated to Non-QM per client request. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2021 |  | MA | Refinance - Cash-out - Home Improvement | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451078 | Base | XXX | XXX | XXX | 34422277 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 4/XX/2021 |  | CT | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452451078 | Base | XXX | XXX | XXX | 34422278 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) | Loan designation discrepancy due to asset depletion income used for qualification. |  |  |  | 4/XX/2021 |  | CT | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452451078 | Base | XXX | XXX | XXX | 34422279 | compliance | 1 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. XXX/Schedule E) | Unable to verify REO income due to unsigned 1040's. |  |  |  | 4/XX/2021 |  | CT | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Transcripts attached | 2025/XX/12: Transcripts provided, exception cleared. |
| 6452451078 | Base | XXX | XXX | XXX | 34422281 | compliance | 2 | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/XX/2021 disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/04/XX/2021) |  |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | CT | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451078 | Base | XXX | XXX | XXX | 34422283 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not in file. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2021 | 4/XX/2022 | CT | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451078 | Base | XXX | XXX | XXX | 34422284 | compliance | 2 | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2021, prior to three (3) business days from transaction date of 4/XX/2021 12:00:00 AM. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 4/XX/2021 | 4/XX/2024 | CT | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451078 | Base | XXX | XXX | XXX | 34422285 | compliance | 2 | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 4/XX/2021 | 4/XX/2024 | CT | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451078 | Base | XXX | XXX | XXX | 34422286 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan designation discrepancy due to asset depletion income used for qualification. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2021 |  | CT | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452451078 | Base | XXX | XXX | XXX | 34422287 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2021 |  | CT | Refinance - Cash-out - Other | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449094 | Base | XXX | XXX | XXX | 34422298 | compliance | 2 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14716685) | Loan Designation discrepancy due to lender using schooling towards 2 years of employment history. Lender exception in file. |  |  |  | 4/XX/2021 |  | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449094 | Base | XXX | XXX | XXX | 34422299 | compliance | 2 | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan allows for Partial Payments. (Final/04/XX/2021) | Final Closing Disclosure dated 4/XX/2024 states both that lender may hold partial payments in a separate account, and that lender does not accept any partial payments. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449094 | Base | XXX | XXX | XXX | 34422300 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/XX/2021) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449094 | Base | XXX | XXX | XXX | 34422301 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2019 |  |  |  |  | 4/XX/2021 |  | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449094 | Base | XXX | XXX | XXX | 34422302 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 06/XX/2012 |  |  |  |  | 4/XX/2021 |  | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449355 | Base | XXX | XXX | XXX | 34422304 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in file. |  |  |  | 4/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Comp actors used to waive exception |
| 6452449355 | Base | XXX | XXX | XXX | 34422305 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Note Rate is used as Qualification Method which does not match with the ATR payment calculation methods. |  |  |  | 4/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449355 | Base | XXX | XXX | XXX | 34422306 | compliance | 2 | TRID Final Closing Disclosure Negative Amortization | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan contains Negative Amortization. (Final/04/XX/2021) | Negative Amortization data is blank and does not match with the note terms. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449355 | Base | XXX | XXX | XXX | 34422307 | compliance | 2 | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan allows for Partial Payments. (Final/04/XX/2021) | Partial Payments data is blank and does not match with the note terms. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450369 | Base | XXX | XXX | XXX | 34422310 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is missing. |  |  |  | 6/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Comp actors used to waive exception |
| 6452450369 | Base | XXX | XXX | XXX | 34422312 | compliance | 2 | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 3.07180% or final disclosure apr of XX.XX% is equal to or greater than the threshold of APOR 2.96% + 1.5%, or 4.46000% Compliant Higher Priced Loan. | APR on subject loan of 3.07180% or final disclosure apr of XX.XX% is equal to or greater than the threshold of APOR 2.96% + 1.5%, or 4.46000% |  |  |  | 6/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450873 | Base | XXX | XXX | XXX | 34422317 | credit | 2 | Missing Document: Approval not provided |  | Approval is missing. |  |  |  | 5/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452451204 | Base | XXX | XXX | XXX | 34422319 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | There was a FEMA Disaster Declaration dated XX/XX/XXXX. The subject property is located in a FEMA Disaster area. A post-disaster inspection report verifying there was no damage to the subject property is needed. The post disaster inspection report must be dated after the disaster end date. |  |  |  | 3/XX/2021 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452451204 | Base | XXX | XXX | XXX | 34422320 | credit | 2 | REO Documents are missing. | Address: XXX, VT HOA Verification | Approval requires Home Owner's Association documents for second home. HOA documents are missing. |  |  |  | 3/XX/2021 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452451204 | Base | XXX | XXX | XXX | 34422321 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 3/XX/2021 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452451204 | Base | XXX | XXX | XXX | 34422322 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Income/Expense method used for partnership income qualification. |  |  |  | 3/XX/2021 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451204 | Base | XXX | XXX | XXX | 34422325 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM Disclosure is missing. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2021 | 3/XX/2022 | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449803 | Base | XXX | XXX | XXX | 34422326 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2021) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452449803 | Base | XXX | XXX | XXX | 34422327 | credit | 2 | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452451038 | Base | XXX | XXX | XXX | 34422341 | credit | 2 | REO Documents are missing. | Address: XXX, MA Insurance Verification, Tax Verification |  |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451038 | Base | XXX | XXX | XXX | 34422342 | credit | 2 | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report Date: 05/XX/2021 | Subject address is XXX, MA XXX. Valuation reflects XXX, MA XXX. Lender to provide corrected document reflecting subject address. |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451038 | Base | XXX | XXX | XXX | 34422343 | credit | 2 | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449826 | Base | XXX | XXX | XXX | 34422363 | credit | 2 | REO Documents are missing. | Address: XXX, MA, Address: XXX, MA Insurance Verification, Tax Verification<br> Insurance Verification, Lease Agreement, Statement, Tax Verification | The file was missing the Insurance & Tax Verification for this property, please provide for review. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449826 | Base | XXX | XXX | XXX | 34422364 | credit | 2 | REO Documents are missing. | Address: XXX, MA Insurance Verification | The file was missing the insurance verification for this property, please provide for review. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449826 | Base | XXX | XXX | XXX | 34422365 | credit | 2 | Guideline Requirement: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXX is less than Guideline Available for Reserves of $XXX. | Calculated Available for Reserves of $XXX is less than Guideline Available for Reserves of $XXX. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449826 | Base | XXX | XXX | XXX | 34422366 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449826 | Base | XXX | XXX | XXX | 34422367 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 65.00000%. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 65.00000%. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449826 | Base | XXX | XXX | XXX | 34422368 | credit | 2 | Asset documentation requirements not met. |  | Available for Reserves of $XXX is less than the Guidelines required $XXX. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449826 | Base | XXX | XXX | XXX | 34422369 | credit | 2 | Income documentation requirements not met. |  | File is missing the required Third Party verification document for the Borrowers Self-Employed business XXX |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449826 | Base | XXX | XXX | XXX | 34422370 | credit | 2 | Income Docs Missing: | Borrower: XXX Third Party Verification | File is missing the required Third Party verification document for the Borrowers Self-Employed business XXX |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449028 | Base | XXX | XXX | XXX | 34422390 | credit | 2 | REO Documents are missing. | Address: XXX, MA, Address: XXX, MA, Address: XXX, MA Lease Agreement<br> Insurance Verification<br> Insurance Verification, Tax Verification |  |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449028 | Base | XXX | XXX | XXX | 34422391 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/06/XX/2021) | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  | There is generally no Assignee Liability. |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452450169 | Base | XXX | XXX | XXX | 34422394 | credit | 2 | REO Documents are missing. | Address: XXX, MA HOA Verification | HOA is missing. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450169 | Base | XXX | XXX | XXX | 34422395 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450169 | Base | XXX | XXX | XXX | 34422396 | compliance | 1 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) | Lease agreement was missing from the file. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: We followed agency guidelines and rental income was verified from two years of schedule e. and corresponding deposits to show still rented. Loan meets 2021 General QM rules effective for applications taken on or after 3/XX/2021 | 2025/XX/14: redesignated per client request |
| 6452450169 | Base | XXX | XXX | XXX | 34422398 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Most recent year tax returns are required. 2020 Extension was located in the file. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: We followed agency guidelines and rental income was verified from two years of schedule e. and corresponding deposits to show still rented. Loan meets 2021 General QM rules effective for applications taken on or after 3/XX/2021 | 2025/XX/14: redesignated per client request |
| 6452450169 | Base | XXX | XXX | XXX | 34422399 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | redesignated per client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449289 | Base | XXX | XXX | XXX | 34422404 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 7/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449289 | Base | XXX | XXX | XXX | 34422405 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Loan is waterfall due to the Qualification Method used by the lender does not match the ATR payment calculation methods |  |  |  | 7/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449662 | Base | XXX | XXX | XXX | 34422408 | credit | 2 | The verification of employment is required and was not found in file. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 03/XX/2011 | Verification of employment is missing in file. |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449662 | Base | XXX | XXX | XXX | 34422409 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 03/XX/2011 | Verification of employment is missing in file. |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449662 | Base | XXX | XXX | XXX | 34422410 | credit | 2 | REO Documents are missing. | Address: XXX, FL Insurance Verification, Tax Verification | The file is missing the taxes and insurance documentation for this property. Please provide for review. |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449662 | Base | XXX | XXX | XXX | 34422411 | credit | 2 | REO Documents are missing. | Address: XXX, FL Insurance Verification, Tax Verification | The file is missing the taxes and insurance documentation for this property. Please provide for review. |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449988 | Base | XXX | XXX | XXX | 34422428 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. Investment cash out. Lender exception in file, Delayed financing, exception to use new value after new kitchen and bath plus other small cosmetic improvements paid for by borrower. 5% LTV exception to cash out to 70% LTV. Property exception due to slightly over 50% investor ownership. |  |  |  | 8/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449988 | Base | XXX | XXX | XXX | 34422429 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 70.00000% exceeds Guideline combined loan to value percentage of 65.00000%. | Calculated combined loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. Investment cash out. Lender exception in file, Delayed financing, exception to use new value after new kitchen and bath plus other small cosmetic improvements paid for by borrower. 5% LTV exception to cash out to 70% LTV. Property exception due to slightly over 50% investor ownership. |  |  |  | 8/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449250 | Base | XXX | XXX | XXX | 34422451 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449250 | Base | XXX | XXX | XXX | 34422452 | credit | 1 | Final Title Policy Coverage is less than Original Loan Amount. | The Final Title Policy Amount of $XXX is less than the note amount of $XXX based on the Final in file. |  |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> A | 7/XX/2025 | 12/XX/2024 |  | Yes |  |  | N/A | 2024/XX/24: TPOL provided. | 2024/XX/31: Revised policy provided. Exception is clear. |
| 6452449250 | Base | XXX | XXX | XXX | 34422453 | credit | 2 | Title Error: Title vesting does not concur with deed |  | Vesting per Final Title Policy is XXX and XXX. This does not match vesting listed on Security Instrument, XXX and XXX |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449040 | Base | XXX | XXX | XXX | 34422491 | credit | 2 | REO Documents are missing. | Address: XXX, MA HOA Verification |  |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449040 | Base | XXX | XXX | XXX | 34422492 | credit | 2 | Mismatch of data related to Occupancy. | Borrower: XXX Occupancy: Investment; Declarations/Will borrower occupy: Yes |  |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449040 | Base | XXX | XXX | XXX | 34422493 | credit | 2 | Income documentation requirements not met. |  | Borrower's Verbal VOE not provided |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449040 | Base | XXX | XXX | XXX | 34422494 | credit | 2 | The verification of employment is required and was not found in file. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2013 | Borrower's Verbal VOE not provided |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449890 | Base | XXX | XXX | XXX | 34422496 | credit | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | 10/XX/2021 |  | MA | Purchase | Investment | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A | 2024/XX/24: Cost new per appraisal = $XXX. Face value of policy is $XXX + 25% additional coverage endorsement referenced as HQ-420-MA. $XXX X 125% = $XXX will attach<br>2025/XX/03: Endorsement is listed in Policy Forms and Endorsements. See reference on renewal binder<br>2025/XX/06: Endorsement is listed in Policy Forms and Endorsements. See reference on renewal binder | 2024/XX/31: Exception remains. Endorsement referenced as HQ-420-MA showing 25% Additional Coverage is missing in file.<br>2025/XX/05: The document provided is dated 10/2024, 3 years after subject loan transaction. Please provide evidence of sufficient coverage, or RCE, at time of origination, for review.<br>2025/XX/07: Renewal policy from 2024 indicates the Endorsement HQ-420-MA indicated on the original policy is for 25% extended replacement coverage. Once applied, coverage is sufficient. Exception cleared. |
| 6452450874 | Base | XXX | XXX | XXX | 34422503 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 11/XX/2021 |  | CT | Purchase | Investment | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450874 | Base | XXX | XXX | XXX | 34422504 | compliance | 2 | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/11/XX/2021) | Appraisal Delivery dated 10/XX/2021. Latest Appraisal documented is dated 11/XX/2021. |  |  |  | 11/XX/2021 |  | CT | Purchase | Investment | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452450152 | Base | XXX | XXX | XXX | 34422510 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 11/XX/2021 |  | RI | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450152 | Base | XXX | XXX | XXX | 34422511 | credit | 2 | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | 11/XX/2021 |  | RI | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450152 | Base | XXX | XXX | XXX | 34422512 | credit | 2 | Mismatch of data related to Occupancy. | Borrower: XXX, Borrower: XXX Occupancy: Second Home; Declarations/Will borrower occupy: Yes<br> Occupancy: Second Home; Declarations/Will borrower occupy: Yes |  |  |  |  | 11/XX/2021 |  | RI | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450152 | Base | XXX | XXX | XXX | 34422513 | compliance | 1 | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) |  |  |  |  | 11/XX/2021 |  | RI | Purchase | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: YTD P&L and LOX signed. Used conservative income from 2020. Comp factors: DTI 25, LTV 70, 20 year business ownership<br>2025/XX/14: Balance Sheets are not required by agency as 2020 returns were filed. Guidelines for portfolio also do not call for balance sheets. | 2025/XX/13: A YTD Balance Sheet is required.<br>2025/XX/14: redesignated per client request |
| 6452450152 | Base | XXX | XXX | XXX | 34422514 | compliance | 1 | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) |  |  |  |  | 11/XX/2021 |  | RI | Purchase | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: YTD P&L and LOX signed. Used conservative income from 2020. Comp factors: DTI 25, LTV 70, 20 year business ownership<br>2025/XX/14: Balance Sheets are not required by agency as 2020 returns were filed. Guidelines for portfolio also do not call for balance sheets. | 2025/XX/13: A YTD Balance Sheet is required.<br>2025/XX/14: redesignated per client request |
| 6452450152 | Base | XXX | XXX | XXX | 34422516 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. | The entered Originator Loan Designation does not match the calculated Due Diligence Loan Designation. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2021 |  | RI | Purchase | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: See above to clear | 2025/XX/13: EXCEPTION HISTORY - Exception Detail was updated on 01/XX/2025 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br>2025/XX/13: A YTD Balance Sheet is required.<br>2025/XX/14: redesignated per client request |
| 6452450152 | Base | XXX | XXX | XXX | 34422517 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7594) | Fee Amount of $XXX exceeds tolerance of $XXX. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2021 | 11/XX/2022 | RI | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450152 | Base | XXX | XXX | XXX | 34422518 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | redesignated per client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2021 |  | RI | Purchase | Second Home | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450785 | Base | XXX | XXX | XXX | 34422519 | credit | 2 | REO Documents are missing. | Address: XXX, ON Insurance Verification | Insurance document is missing. |  |  |  | 1/XX/2022 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450785 | Base | XXX | XXX | XXX | 34422520 | credit | 2 | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXX // Account Type: Checking / Account Number: XXX | 2 months bank statement is required. |  |  |  | 1/XX/2022 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450785 | Base | XXX | XXX | XXX | 34422521 | credit | 1 | Missing Document: Verification of Non-US Citizen Status not provided |  | Verification of Non-US Citizen Status is missing. |  |  |  | 1/XX/2022 |  | MA | Purchase | Investment | Yes<br> A | 7/XX/2025 | 12/XX/2024 |  | Yes |  |  | N/A | 2024/XX/24: See attached | 2024/XX/31: Exception Cleared - Received Verification of Non-US Citizen for both borrowers associated the same. |
| 6452450785 | Base | XXX | XXX | XXX | 34422522 | credit | 2 | The verification of employment is required and was not found in file. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2014 | VVOE is missing. |  |  |  | 1/XX/2022 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450785 | Base | XXX | XXX | XXX | 34422523 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2014 | VVOE is missing. |  |  |  | 1/XX/2022 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450572 | Base | XXX | XXX | XXX | 34422528 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14687589) | Complete 2 year employment history was not entered and/or documented as required gap letter or explanation letter require |  |  |  | 2/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: We have a greater then 2 year history of employment (see attached VOE from prior employer) There is a gap but this would not need to be explained per agency guidelines | 2025/XX/12: Cleared. Gap letter not required. Most recent two year employment history is provided. |
| 6452450572 | Base | XXX | XXX | XXX | 34422529 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Due to missing 2 year employment history was not entered and/or documented |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 2/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: We have a greater then 2 year history of employment (see attached VOE from prior employer) There is a gap but this would not need to be explained per agency guidelines | 2025/XX/12: Cleared. Gap letter not required. Most recent two year employment history is provided. |
| 6452450572 | Base | XXX | XXX | XXX | 34422532 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement: E-sign Consent Agreement is missing. |  |  |  | 2/XX/2022 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450572 | Base | XXX | XXX | XXX | 34422533 | credit | 2 | REO Documents are missing. | Address: XXX, QC Statement | Statement is missing FOR: XXX, QC |  |  |  | 2/XX/2022 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450572 | Base | XXX | XXX | XXX | 34422534 | credit | 2 | REO Documents are missing. | Address: XXX, VI Statement | Statement is missing for REO XXX, VI: |  |  |  | 2/XX/2022 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450572 | Base | XXX | XXX | XXX | 34422535 | credit | 2 | Credit Report Error: Credit report is missing FICO scores. | Credit Report: Original // Borrower: XXX | FICO Score not provided on credit report |  |  |  | 2/XX/2022 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450572 | Base | XXX | XXX | XXX | 34422536 | compliance | 2 | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | The initial account disclosure statement did not show the initial deposit made, only the balance. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 2/XX/2022 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451157 | Base | XXX | XXX | XXX | 34422539 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 7/XX/2022 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450227 | Base | XXX | XXX | XXX | 34422541 | compliance | 1 | General QM Provision Investor Qualification Method not Matching QM | General QM: The Qualification Method used by the lender does not match the QM payment calculation method. | Note Rate used as Qualification Method which does not match the QM payment calculation method. |  |  |  | 12/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: This was qualified on fully index rate of 7.5 (Margin + Index) This an 5-1 ARM loan | 2025/XX/12: Loan designation changed to Non-QM |
| 6452450227 | Base | XXX | XXX | XXX | 34422542 | credit | 1 | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: 17.64813%<br> QM qualifying DTI: 20.02983% | The Investor's qualifying DTI: 17.64813% is less than the QM qualifying DTI: 20.02983% |  |  |  | 12/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/12: Loan designation changed to Non QM |
| 6452450227 | Base | XXX | XXX | XXX | 34422543 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | 12/XX/2022 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450977 | Base | XXX | XXX | XXX | 34422544 | compliance | 1 | General QM Provision Investor Qualification Method not Matching QM | General QM: The Qualification Method used by the lender does not match the QM payment calculation method. | The Qualification Method used by the lender does not match the QM payment calculation method. |  |  |  | 12/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: This was qualified on fully index rate of 7.375 (Margin + Index) This an 5-1 ARM loan | 2025/XX/12: Loan designation changed to Non-QM |
| 6452450977 | Base | XXX | XXX | XXX | 34422545 | compliance | 2 | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2022 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450977 | Base | XXX | XXX | XXX | 34422548 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 12/XX/2022 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450977 | Base | XXX | XXX | XXX | 34422549 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 12/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452450395 | Base | XXX | XXX | XXX | 34479056 | credit | 2 | REO Documents are missing. | Address: XXX, IL Insurance Verification, Tax Verification | The file was missing the taxes/insurance/HOA dues/ for this property, please provide for review. |  |  |  | 8/XX/2021 |  | IL | Purchase | Second Home | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/17: Client elects with waive with comp factor. |
| 6452450395 | Base | XXX | XXX | XXX | 34479058 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2658149) | Calculated P&I is $XXX while the Original P&I per loan documents is $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450395 | Base | XXX | XXX | XXX | 34479059 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2658150) | Calculated P&I is $XXX while the Original P&I per loan documents is $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450395 | Base | XXX | XXX | XXX | 34479060 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2658151) | Calculated P&I is $XXX while the Original P&I per loan documents is $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450395 | Base | XXX | XXX | XXX | 34479061 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2658148) | Calculated P&I is $XXX while the Original P&I per loan documents is $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479062 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Post Disaster Inspection not in file. |  |  |  | 2/XX/2018 |  | FL | Purchase | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450551 | Base | XXX | XXX | XXX | 34479064 | compliance | 2 | TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment ARM | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2018 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2642594) |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479065 | compliance | 2 | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 02/XX/2018 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479066 | compliance | 2 | TRID Final Closing Disclosure AIR Table First Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2018 disclosed a First Change frequency that does not match the actual first change frequency for the loan. (Final/02/XX/2018) | Final Closing Disclosure provided on 02/XX/2018 disclosed a First Change frequency that does not match the actual first change frequency for the loan. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479067 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2018 did not disclose an accurate Index as reflected on the Note. (Final/02/XX/2018) | Final Closing Disclosure provided on 02/XX/2018 did not disclose an accurate Index as reflected on the Note |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479068 | compliance | 2 | TRID Final Closing Disclosure APR Irregular Transaction | TILA-RESPA Integrated Disclosure - Loan Calculations: apr of XX.XX% on final closing Disclosure provided on 02/XX/2018 is under-disclosed from the calculated APR of 5.09070% outside of 0.250% tolerance. (Final/02/XX/2018) | apr of XX.XX% on final closing Disclosure provided on 02/XX/2018 is under-disclosed from the calculated APR of 5.07947% outside of 0.250% tolerance. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479069 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 02/XX/2018). (Final/02/XX/2018) | The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479070 | compliance | 2 | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2018 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (Final/02/XX/2018) | Final Closing Disclosure provided on 02/XX/2018 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479071 | compliance | 2 | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/2642595) | Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479072 | compliance | 2 | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/2642596) | Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479073 | compliance | 2 | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/2642597) | Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479074 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 02/XX/2018). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/02/XX/2018) | The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450551 | Base | XXX | XXX | XXX | 34479076 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Escrow Waiver Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7321) | Valid change of circumstance or sufficient cure is missing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2018 | 2/XX/2019 | FL | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449127 | Base | XXX | XXX | XXX | 34479103 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 4/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449127 | Base | XXX | XXX | XXX | 34479105 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 04/XX/2021 did not disclose an accurate Index as reflected on the Note. (Final/04/XX/2021) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 04/XX/2021 did not disclose an accurate Index as reflected on the Note. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449127 | Base | XXX | XXX | XXX | 34479107 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. |  |  |  | 4/XX/2021 | 4/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449740 | Base | XXX | XXX | XXX | 34479144 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Need a post-disaster inspection verifying no damage to the subject property. |  |  |  | 6/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449740 | Base | XXX | XXX | XXX | 34479145 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14557159) | Borrower minimum 2 years employment history not met as per the final 1003 borrower as XXX file is missing supporting document. |  |  |  | 6/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/13: Although 1003 lacks 2 year history documentation in file demonstrates a two year history. We have the 2019 and 2020 W-2s, tax returns, and tax transcripts. 2020 W-2 reflects income. We do not have the school transcripts. | 2025/XX/17: Loan has been re designated at client request |
| 6452449740 | Base | XXX | XXX | XXX | 34479146 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Designation failure due to Borrower minimum 2 years employment history not met as per the final 1003 borrower as MBA student file is missing supporting document. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/13: Although 1003 lacks 2 year history documentation in file demonstrates a two year history. We have the 2019 and 2020 W-2s, tax returns, and tax transcripts. 2020 W-2 reflects income. We do not have the school transcripts. | 2025/XX/17: Loan has been re designated at client request |
| 6452449740 | Base | XXX | XXX | XXX | 34479149 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2021 |  | IL | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450850 | Base | XXX | XXX | XXX | 34479197 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 6/XX/2022 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450850 | Base | XXX | XXX | XXX | 34479198 | compliance | 2 | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 04/XX/2022, Most Recent Tax Return End Date 12/XX/2020, Tax Return Due Date 03/XX/2022. (XXX XXX/Partnership) |  |  |  |  | 6/XX/2022 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450850 | Base | XXX | XXX | XXX | 34479201 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. |  |  |  | 6/XX/2022 | 6/XX/2023 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450856 | Base | XXX | XXX | XXX | 34479202 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Post Disaster End Inspection report is missing. |  |  |  | 4/XX/2023 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450856 | Base | XXX | XXX | XXX | 34479204 | property | 1 | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 04/XX/2023; Lien Position: 1 |  |  |  |  | 4/XX/2023 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/20: CDA provided. |
| 6452450856 | Base | XXX | XXX | XXX | 34479205 | compliance | 1 | (Doc Error) RTC Error: Right to Cancel expiration date is blank. |  |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 4/XX/2023 | 4/XX/2026 | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Signed Right to cancel with cancel as of date found in file. | 2025/XX/14: RTC was re-issued with expiration date and signed |
| 6452450856 | Base | XXX | XXX | XXX | 34479207 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 04/XX/2023 are overdisclosed. (Final/04/XX/2023) | Estimated Taxes and insurance as per Closing Disclosure second page is $XXX, but page 1 reflects Estimated Taxes and insurance AS $XXX |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2023 | 4/XX/2024 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450856 | Base | XXX | XXX | XXX | 34479212 | compliance | 1 | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | Right To Cancel Expiration date is blank. |  | TILA ROR - 3yrs for rescindable transactions. |  | 4/XX/2023 | 4/XX/2026 | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/13: Rescission was re-opened after our QA team caught the rescission date was missing from the right to cancel provided at closing. Corrected Right to Cancels were sent on 5/XX/23 giving the borrowers three days to receive the corrected RTCs and three days to rescind after receipt of the corrected disclosure.; Rescission was re-opened after our QA team caught the rescission date was missing from the right to cancel provided at closing. Corrected Right to Cancels were sent on 5/XX/23 giving the borrowers three days to receive the corrected RTCs and three days to rescind after receipt of the corrected disclosure. | 2025/XX/14: Updated and signed RTC form provided. |
| 6452450856 | Base | XXX | XXX | XXX | 34479213 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 04/XX/2023 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/04/XX/2023) | Final Closing Disclosure provided on 04/XX/2023 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2023 | 4/XX/2024 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM | 2025/XX/16: Interest only term on CD is for 12 months. Addendum to Mortgage Note also indicates interest only during construction phase of 12 months. Last payment for interest only will be different than last payment for entire loan as interest only period is only for 12 months. First payment of interest only will be due 5/XX/2023 and first payment of interest+principal will be 5/XX/2024 which aligns with note.<br>As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month | 2025/XX/17: SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br>2025/XX/04: Client elected to waive |
| 6452450856 | Base | XXX | XXX | XXX | 34479215 | compliance | 1 | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2023, prior to three (3) business days from transaction date of 5/XX/2023 12:00:00 AM. | RTC was re-issued with expiration date but transaction remained as is. |  | TILA ROR - 3yrs for rescindable transactions. |  | 4/XX/2023 | 4/XX/2026 | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/14: RTC was re-issued with expiration date but transaction remained as is. |
| 6452449071 | Base | XXX | XXX | XXX | 34479217 | property | 1 | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: 10/XX/2024; Lien Position: 1 | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | 10/XX/2024 |  | WI | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2025/XX/20: CDA provided. |
| 6452450828 | Base | XXX | XXX | XXX | 34479220 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Reserves are less than required per investment properties, causing the loan to waterfall through the QM Testing. |  |  |  | 10/XX/2020 |  | CT | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450828 | Base | XXX | XXX | XXX | 34479222 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 10/XX/2020 |  | CT | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452449887 | Base | XXX | XXX | XXX | 34479226 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 6/XX/2020 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: BPO extract provided with current inspection dates indicating no damage. |
| 6452449887 | Base | XXX | XXX | XXX | 34479227 | compliance | 1 | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) |  |  |  |  | 6/XX/2020 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Business Tax Returns, Personal Tax returns and CPA letter attached | 2025/XX/06: File is missing the 2020 YTD P&L Statement and Balance Sheet for this business. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452449887 | Base | XXX | XXX | XXX | 34479228 | compliance | 1 | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) |  |  |  |  | 6/XX/2020 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Business Tax Returns, Personal Tax returns and CPA letter attached | 2025/XX/06: File is missing the 2020 YTD P&L Statement and Balance Sheet for this business. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452449887 | Base | XXX | XXX | XXX | 34479229 | compliance | 1 | Self Employed Financial Strength | Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (XXX XXX/S-Corp) |  |  |  |  | 6/XX/2020 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: This was during Covid, however we used lower income to qualify to be conservative<br>2025/XX/13: No P and L and balance sheet. Lower income was used to qualify. Compensating factors, FICO 771, 54 LTV, 36.08 DTI, assets of XXX | 2025/XX/06: This exception will be reviewed upon receipt of the missing the 2020 YTD P&L Statement and Balance Sheet for this business. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452449887 | Base | XXX | XXX | XXX | 34479230 | compliance | 1 | Self Employed Financial Strength | Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (XXX XXX/S-Corp) |  |  |  |  | 6/XX/2020 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: This was during Covid, however we used lower income to qualify to be conservative<br>2025/XX/13: No P and L and balance sheet. Lower income was used to qualify. Compensating factors, FICO 771, 54 LTV, 36.08 DTI, assets of XXX | 2025/XX/06: This exception will be reviewed upon receipt of the missing the 2020 YTD P&L Statement and Balance Sheet for this business. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452449887 | Base | XXX | XXX | XXX | 34479231 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/03/XX/2020) |  |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2020 | 6/XX/2021 | RI | Refinance - Cash-out - Other | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449887 | Base | XXX | XXX | XXX | 34479234 | compliance | 1 | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXX XXX/S-Corp) | Unable to verify S-Corp income using reasonably reliable third-party records |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 6/XX/2020 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: See attached Processor Certification showing NYS Department of State Divisions of Corporations showing entity still active. Tax Returns show borrower still owns property. Low LTV 54.4, Strong Credit 771, Long Term Employment, XXX in Assets | 2025/XX/06: Upon further review this exception has been cleared. |
| 6452449887 | Base | XXX | XXX | XXX | 34479236 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | One or more of the Ability to Repay components is failing. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2020 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: See above<br>2025/XX/13: No P and L and balance sheet. Lower income was used to qualify. Compensating factors, FICO 771, 54 LTV, 36.08 DTI, assets of 1.2MM | 2025/XX/06: EXCEPTION HISTORY - Exception Detail was updated on 01/XX/2025 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.<br>2025/XX/06: This exception will be reviewed upon receipt of the missing the 2020 YTD P&L Statement and Balance Sheet for this business. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452449887 | Base | XXX | XXX | XXX | 34479237 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2020 |  | RI | Refinance - Cash-out - Other | Second Home | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450312 | Base | XXX | XXX | XXX | 34479267 | credit | 2 | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 06/XX/2019 | Borrower has been on current job less than 2 years. A degree or course transcripts evidencing borrower was previously in school was not provided |  |  |  | 1/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450312 | Base | XXX | XXX | XXX | 34479269 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7579) | Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2021 | 1/XX/2022 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449253 | Base | XXX | XXX | XXX | 34479270 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 9/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449253 | Base | XXX | XXX | XXX | 34479272 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $XXX . No valid COC provided |  |  |  | 9/XX/2021 | 9/XX/2022 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452449253 | Base | XXX | XXX | XXX | 34479273 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. as received ARM disclosure is not signed and dated |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2021 | 9/XX/2022 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452449253 | Base | XXX | XXX | XXX | 34479274 | credit | 2 | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 671 is less than Guideline representative FICO score of 680. | Representative FICO score of 671 is less than Guideline representative FICO score of 680. Bridge Loan was not used per 1008. |  |  |  | 9/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451055 | Base | XXX | XXX | XXX | 34479285 | credit | 1 | Income documentation requirements not met. |  | The verification of employment for both borrowers is not within 10 calendar days of the Note. |  |  |  | 10/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/11: VVOE required within 10 business days provided. |
| 6452451055 | Base | XXX | XXX | XXX | 34479286 | credit | 1 | The verification of employment is not within 10 calendar days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2020 | The verification of employment is not within 10 calendar days of the Note. |  |  |  | 10/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/11: Corrected AUS to 10 business days instead of calendar days. |
| 6452451055 | Base | XXX | XXX | XXX | 34479287 | credit | 1 | The verification of employment is not within 10 calendar days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2018 | The verification of employment is not within 10 calendar days of the Note. |  |  |  | 10/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/11: Corrected AUS to 10 business days instead of calendar days. |
| 6452451055 | Base | XXX | XXX | XXX | 34479288 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The verification of employment for both borrowers is not within 10 calendar days of the Note. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 10/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Per Fannie Mae, this is based on business days not calendar days. VOE is within 10 business days | 2025/XX/11: Cleared. VVOE is within 10 business days. |
| 6452451055 | Base | XXX | XXX | XXX | 34479289 | compliance | 1 | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The verification of employment for both borrowers is not within 10 calendar days of the Note. |  |  |  | 10/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Per Fannie Mae, this is based on business days not calendar days. VOE is within 10 business days | 2025/XX/11: VVOE provided within 10 business days. |
| 6452451055 | Base | XXX | XXX | XXX | 34479290 | compliance | 1 | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The verification of employment for both borrowers is not within 10 calendar days of the Note. |  |  |  | 10/XX/2022 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Per Fannie Mae, this is based on business days not calendar days. VOE is within 10 business days | 2025/XX/11: Cleared. VVOE is within 10 business days. |
| 6452451055 | Base | XXX | XXX | XXX | 34479291 | credit | 2 | Missing Document: Note - Subordinate Lien not provided |  | The loan terms are missing. |  |  |  | 10/XX/2022 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 2/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/24: Client elects to waive seasoned exception. |

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## Exhibit 99.1

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Base/Upsize** | **loan id** | **LoanID** | **Seller Loan ID** | **Servicer Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Application Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Fitch Credit Rating** | **Moody's Credit Rating** | **DBRS Credit Rating** | **S&P Credit Rating** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Fitch Property Rating** | **Moody's Property Rating** | **DBRS Property Rating** | **S&P Property Rating** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Seller Response** | **Compensating Factors** | **Subject to Predatory - Unable to Test** | **Disposition** |
| 6452449020 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 3/XX/2006 | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  | [3] General - Final Title marked as missing |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  | - |
| 6452449524 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NJ | 11/XX/2005 | 10/XX/2005 | Primary | Refinance Rate/Term |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450823 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | SC | 10/XX/2001 | 9/XX/2001 | Primary | Purchase |  | 3<br> D |  |  |  |  |  | [3] Appraisal Documentation - There is no valuation in the file that meets FIRREA requirements. Either there are no valuations or the valuation provided is missing key data | The appraisal is missing from the file. |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Closing / Title - Missing Final HUD-1: Missing Final HUD-1. Title Co. Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Initial Loan Application Status Test: No evidence of application date located in file. Compliance tests were run using an application date of 9/XX/2001 which is 1 month(s) prior to consummation. A 7 month lookback was used to determine this application date.<br> [2] Miscellaneous Compliance - Initial TIL not provided |  |  |  |  | No | TNR Testing Not Required |
| 6452451128 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NC | 6/XX/2002 | 3/XX/2002 | Primary | Construction-Permanent |  | 3<br> D |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Loan File - (Missing Doc) Incomplete loan images/file | Loan File - (Missing Doc) Incomplete loan images/file: Incomplete Loan File. Security and Title in the file, unable to run compliance. | SELLER - GENERAL COMMENT (2017/XX/18): Pending Servicer | GENERAL COMMENT (2017/XX/18): Pending Servicer |  | UTD | Indeterminable |
| 6452450691 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | DE | 6/XX/2006 | 5/XX/2006 | Second Home | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 5/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 4/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | - |
| 6452449354 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2006 | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Closing / Title - (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Due On Sale Clause, Mortgagors requirement to maintain adequate insurance at the mortgagor's own expense, Holder's right to foreclose, Homestead Exemption Waiver |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 10/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Index used by lender was outside of lookback. |  |  |  |  | - |
| 6452450356 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 4/XX/2002 | 3/XX/2002 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  | - |
| 6452450518 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 5/XX/2007 | 5/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3<br> D |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 05/XX/2007. |  | SELLER - GENERAL COMMENT (2017/XX/07): Per exception comments, looks like there were other HUDs in the file that can be used for testing. this shouldn't be an issue | GENERAL COMMENT (2017/XX/07): Per exception comments, looks like there were other HUDs in the file that can be used for testing. this shouldn't be an issue |  | Yes | TR Indeterminable |
| 6452450004 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | OH | 9/XX/2005 | 8/XX/2005 | Primary | Purchase |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | - |
| 6452449076 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 11/XX/2006 | 9/XX/2006 | Investment | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  | - |
| 6452449307 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IN | 10/XX/2005 | 9/XX/2005 | Primary | Refinance Rate/Term |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449245 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | GA | 9/XX/2006 | 8/XX/2006 | Investment | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - |
| 6452451092 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | WA | 8/XX/1997 | 7/XX/1997 | Primary | Refinance UTD |  | 3<br> D |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 08/XX/1997 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1997 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  |  |  | Yes | TR Indeterminable |
| 6452450636 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 3/XX/2004 | 3/XX/2004 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  | [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses:: Homestead Exemption Waiver |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2004. |  |  |  |  |  | - |
| 6452450744 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | 11/XX/2006 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | - |
| 6452449404 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | 11/XX/2006 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | - |
| 6452449715 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NJ | 2/XX/2006 | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2006.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  |  |  |  | - |
| 6452451075 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | TX | 8/XX/2001 | 7/XX/2001 | Primary | Purchase |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2001.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  |  |  |  | - |
| 6452450745 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MD | 10/XX/2007 | 9/XX/2007 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  | - |
| 6452449917 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NJ | 6/XX/2007 | 5/XX/2007 | Primary | Purchase |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450404 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NJ | 4/XX/2007 | 3/XX/2007 | Primary | Refinance Rate/Term |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449507 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 5/XX/2007 | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  | - |
| 6452449798 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 7/XX/2007 | 6/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1<br> A |  |  |  |  |  | [2] Application / Processing - Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2007 |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450533 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 10/XX/2004 | 9/XX/2004 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2004.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization of amount financed reflects prepaid interest amount as $XXX. Actual amount per HUD is $XXX-a difference of $XXX. |  |  |  |  | - |
| 6452450086 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2005 | 9/XX/2005 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 04/XX/2005.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  | - |
| 6452449816 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2006 | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 1<br> A |  |  |  |  |  | [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449511 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2006 | 9/XX/2006 | Second Home | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Disparity in Occupancy: The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home)<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Federal Compliance - Disparity in Occupancy: Discrepancy in Occupancy does not have high cost implications. Testing loan as primary residence does not result in high cost findings. | REVIEWER - GENERAL COMMENT (2019/XX/19): Discrepancy in Occupancy does not have high cost implications. Testing loan as primary residence does not result in high cost findings. |  |  |  | - |
| 6452450076 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 3/XX/2005 | 2/XX/2005 | Primary | Purchase |  | 2<br> B |  |  |  |  |  | [2] Application / Processing - Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 01/XX/2005 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 09/XX/2004.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Itemization of amount financed does not reflect a $XXX closing delay fee, a $XXX scanning and storage fee, and a $XXX title courier fee as prepaid finance charges. |  |  |  |  | - |
| 6452450919 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | KY | 1/XX/2007 | 1/XX/2007 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed. |  |  |  |  | - |
| 6452449529 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2007 | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2007.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | - |
| 6452449745 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 8/XX/1985 | 7/XX/1985 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Application / Processing - Valuation Error: APN Number not provided.: Valuation Type: Appraisal / Valuation Report Date: 06/XX/1985 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/1985 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/1985.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  | - |
| 6452449375 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | PA | 7/XX/2001 | 6/XX/2001 | Primary | Refinance Cash-out - Other |  | 3<br> D |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal not provided |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  | Yes | TR Indeterminable |
| 6452451178 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 9/XX/2003 | 6/XX/2003 | Primary | Refinance Rate/Term |  | 3<br> D |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. |  |  |  |  | Yes | TR Indeterminable |
| 6452450582 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | KY | 7/XX/1984 | 6/XX/1984 | UTD | UTD UTD |  | 3<br> D |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 07/XX/1984 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/1984 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 01/XX/1984. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.<br> [2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a defaulted value of Primary. |  |  |  |  | No | TNR Testing Not Required |
| 6452450466 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NC | 11/XX/2005 | 11/XX/2005 | Investment | Purchase |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449385 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 6/XX/2005 | 5/XX/2005 | Investment | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - |
| 6452449407 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | GA | 7/XX/2006 | 6/XX/2006 | Investment | Purchase |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452451150 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 5/XX/2004 | 4/XX/2004 | Investment | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - |
| 6452450685 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NC | 6/XX/2007 | 5/XX/2007 | Investment | Purchase |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450534 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | TX | 8/XX/2009 | 7/XX/2009 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  | - |
| 6452450955 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2009 | 3/XX/2009 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - |
| 6452450825 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 4/XX/2004 | 2/XX/2004 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  |  |  |  | - |
| 6452449357 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 4/XX/2005 | 2/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements |  |  |  |  |  | - |
| 6452449491 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MS | 10/XX/2005 | 6/XX/2005 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] State Compliance - Mississippi Late Charge Percent and Amount Testing > $XXX: Mississippi Late Charge: Note late charge of 5.00000% exceeds state maximum of 4% or $XXX whichever is greater. |  |  |  |  |  | - |
| 6452449578 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NC | 7/XX/1998 | 5/XX/1998 | Primary | Purchase |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450841 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 3/XX/2003 | 2/XX/2003 | Primary | Purchase |  | 3<br> D |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | No | TNR Testing Not Required |
| 6452449793 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 12/XX/2003 | 11/XX/2003 | Primary | UTD UTD |  | 3<br> D |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 12/XX/2003 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  |  |  | UTD | Indeterminable |
| 6452450923 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 2/XX/2004 | 1/XX/2004 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  |  | - |
| 6452449779 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | LA | 4/XX/2004 | 3/XX/2004 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine reason for under disclosure as the file is missing the Itemization of Amount Financed. |  |  |  |  | - |
| 6452449596 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NJ | 12/XX/2004 | 12/XX/2004 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  | - |
| 6452449878 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 2/XX/2005 | 1/XX/2005 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing itemization of amount financed |  |  |  |  | - |
| 6452450410 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2005 | 2/XX/2005 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  | - |
| 6452449518 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | LA | 5/XX/2004 | 4/XX/2004 | Primary | Construction-Permanent |  | 2<br> B |  |  |  |  |  | [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for compliance testing.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  |  |  |  | - |
| 6452450817 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2005 | 9/XX/2005 | Primary | Refinance Rate/Term |  | 3<br> D |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  | Yes | TR Indeterminable |
| 6452449597 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 11/XX/2005 | 10/XX/2005 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating one or more entries are estimates. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under disclosure due to missing itemization of amount financed. |  |  |  |  | - |
| 6452450532 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 2/XX/2006 | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450771 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2006 | 2/XX/2006 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - |
| 6452450618 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | WA | 6/XX/2006 | 6/XX/2006 | Primary | Purchase |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450914 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 8/XX/2006 | 7/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  | - |
| 6452450821 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | 11/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - |
| 6452450397 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 3/XX/2007 | 2/XX/2007 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - |
| 6452450875 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | 3/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  | - |
| 6452451186 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | 3/XX/2007 | Investment | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  |  | - |
| 6452449316 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 5/XX/2007 | 4/XX/2007 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  | - |
| 6452450045 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 7/XX/2007 | 5/XX/2007 | Primary | Purchase |  | 1<br> A |  |  |  |  |  | [3] Credit Documentation - Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449120 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2008 | 3/XX/2008 | Primary | Refinance Rate/Term |  | 3<br> D |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2008 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | Yes | TR HUD Deficiency |
| 6452449644 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 8/XX/2011 | 6/XX/2011 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  |  |  |  | - |
| 6452450525 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | TX | 2/XX/2012 | 1/XX/2012 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance violation for 803 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) With Cure: RESPA (2010): 0% tolerance violation for 801 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial payment on Final HUD-1 does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | - |
| 6452449226 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 4/XX/2012 | 3/XX/2012 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | - |
| 6452449967 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 5/XX/2012 | 3/XX/2012 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: <br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  | - |
| 6452450401 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 10/XX/2012 | 6/XX/2012 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date:  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  | - |
| 6452449495 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 10/XX/2012 | 9/XX/2012 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date:  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  | - |
| 6452450028 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MD | 3/XX/2006 | 2/XX/2006 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  | - |
| 6452450321 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NJ | 12/XX/2005 | 12/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date:<br> [3] Application / Processing - Missing Document: Flood Certificate not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing cannot be performed.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2005 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2005. |  |  |  |  |  | - |
| 6452451133 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 3/XX/2000 | 2/XX/2000 | Primary | Purchase |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2000 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 9/XX/1999. |  |  |  |  |  | - |
| 6452450141 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NC | 12/XX/2004 | 11/XX/2004 | Second Home | Refinance Rate/Term |  | 1<br> A |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449379 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | GA | 8/XX/2021 | 4/XX/2021 | Primary | Refinance Rate/Term | Non QM | 3<br> C<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3<br> C<br> B | [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Loan tested as Non-QM. Due Diligence Loan Designation is Non QM.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. (Final/08/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/XX/2021). (Final/08/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2021 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/08/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2066889)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 08/XX/2021). (Final/08/XX/2021)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7562) | Federal Compliance - Unknown Loan Designation Test: Originator Loan Designation not provided<br> Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided<br> Federal Compliance - TRID Final Closing Disclosure Amount Financed: Final Closing Disclosure provided on 08/XX/2021 disclosed an Amount Financed<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: The Note shows P&I of $XXX but the final CD is showing $XXX<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest: Final Closing Disclosure provided on 08/XX/2021 disclosed a Principal and Interest Payment that does not match the actual payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: Final Closing Disclosure provided on 08/XX/2021 disclosed an Amount Financed<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The Note shows P&I of $XXX but the final CD is showing $XXX<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX | SELLER - GENERAL COMMENT (2022/XX/07): Disagree: Final disclosed amount financed is $XXX. Calculated amount financed is $XXX. Amount financed is understated by $XXX and is acceptable. Fees include: Points $XXX, Processing $XXX, Tax Service $XXX, Closing/Escrow $XXX, CPL $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br> REVIEWER - GENERAL COMMENT (2022/XX/08): Note required to cure exception and match final disclosure including refund check, PCCD, LOE, Proof of delivery and reopening of RTC.<br> SELLER - GENERAL COMMENT (2022/XX/16): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel.<br> REVIEWER - GENERAL COMMENT (2022/XX/19): Provide signed note with correct balance, reopen RTC, refund any overpayment caused by incorrect note, provide proof of delivery and LOE.<br> SELLER - GENERAL COMMENT (2022/XX/07): Disagree: Final disclosed finance charge is $XXX. Calculated finance charge is $XXX. Finance charge is overstated by $XXX and is acceptable. Fees include: Points $XXX, Processing $XXX, Tax Service $XXX, Closing/Escrow $XXX, CPL $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br> REVIEWER - GENERAL COMMENT (2022/XX/08): Note required to cure exception and match final disclosure including refund check, PCCD, LOE, Proof of delivery and reopening of RTC.<br> SELLER - GENERAL COMMENT (2022/XX/16): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel.<br> REVIEWER - GENERAL COMMENT (2022/XX/19): Provide signed note with correct balance, reopen RTC, refund any overpayment caused by incorrect note, provide proof of delivery and LOE.<br> SELLER - GENERAL COMMENT (2022/XX/07): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. The final CD and other file documentation signed at closing indicates the correct loan amount is $XXX and monthly P&I is $XXX. The Note dated 8/XX/2021 was provided and disclosed the incorrect loan amount of $XXX and incorrect P&I of $XXX. See attached Note and final CD.<br> REVIEWER - GENERAL COMMENT (2022/XX/08): Note required to cure exception and match final disclosure including refund check, PCCD, LOE, Proof of delivery and reopening of RTC.<br> SELLER - GENERAL COMMENT (2022/XX/16): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel.<br> REVIEWER - GENERAL COMMENT (2022/XX/19): Provide signed note with correct balance, reopen RTC, refund any overpayment caused by incorrect note, provide proof of delivery and LOE.<br> SELLER - GENERAL COMMENT (2022/XX/07): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. The final CD and other file documentation signed at closing indicates the correct loan amount is $XXX and monthly P&I is $XXX. The Note dated 8/XX/2021 was provided and disclosed the incorrect loan amount of $XXX and incorrect P&I of $XXX. See attached Note and final CD.<br> REVIEWER - GENERAL COMMENT (2022/XX/08): Note required to cure exception and match final disclosure including refund check, PCCD, LOE, Proof of delivery and reopening of RTC.<br> SELLER - GENERAL COMMENT (2022/XX/16): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel.<br> REVIEWER - GENERAL COMMENT (2022/XX/19): Provide signed note with correct balance, reopen RTC, refund any overpayment caused by incorrect note, provide proof of delivery and LOE.<br> SELLER - GENERAL COMMENT (2022/XX/07): Disagree: Final disclosed total of payments is $XXX. Calculated total of payments is $XXX. Total of payments is overstated by $XXX and is acceptable. Fees include: Points $XXX, Processing $XXX, Tax Service $XXX, Closing/Escrow $XXX, CPL $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br> REVIEWER - GENERAL COMMENT (2022/XX/08): Note required to cure exception and match final disclosure including refund check, PCCD, LOE, Proof of delivery and reopening of RTC.<br> SELLER - GENERAL COMMENT (2022/XX/16): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel.<br> REVIEWER - GENERAL COMMENT (2022/XX/19): Provide signed note with correct balance, reopen RTC, refund any overpayment caused by incorrect note, provide proof of delivery and LOE. | GENERAL COMMENT (2022/XX/07): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. The final CD and other file documentation signed at closing indicates the correct loan amount is $XXX and monthly P&I is $XXX. The Note dated 8/XX/2021 was provided and disclosed the incorrect loan amount of $XXX and incorrect P&I of $XXX. See attached Note and final CD.<br>GENERAL COMMENT (2022/XX/07): Disagree: Final disclosed total of payments is $XXX. Calculated total of payments is $XXX. Total of payments is overstated by $XXX and is acceptable. Fees include: Points $XXX, Processing $XXX, Tax Service $XXX, Closing/Escrow $XXX, CPL $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br>GENERAL COMMENT (2022/XX/07): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. The final CD and other file documentation signed at closing indicates the correct loan amount is $XXX and monthly P&I is $XXX. The Note dated 8/XX/2021 was provided and disclosed the incorrect loan amount of $XXX and incorrect P&I of $XXX. See attached Note and final CD.<br>GENERAL COMMENT (2022/XX/07): Disagree: Final disclosed finance charge is $XXX. Calculated finance charge is $XXX. Finance charge is overstated by $XXX and is acceptable. Fees include: Points $XXX, Processing $XXX, Tax Service $XXX, Closing/Escrow $XXX, CPL $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br>GENERAL COMMENT (2022/XX/07): Disagree: Final disclosed amount financed is $XXX. Calculated amount financed is $XXX. Amount financed is understated by $XXX and is acceptable. Fees include: Points $XXX, Processing $XXX, Tax Service $XXX, Closing/Escrow $XXX, CPL $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br>GENERAL COMMENT (2022/XX/16): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel.<br>GENERAL COMMENT (2022/XX/16): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel.<br>GENERAL COMMENT (2022/XX/16): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel.<br>GENERAL COMMENT (2022/XX/16): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel.<br>GENERAL COMMENT (2022/XX/16): Agree: The Note reflecting the correct loan amount and P&I payment was not provided to the borrower. Remedy with note signed by the borrower showing correct loan amount of $XXX and re-executed Notice of Right to Cancel. |  |  | TILA ATR/QM |
| 6452450175 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 10/XX/2021 | 5/XX/2021 | Primary | Refinance Rate/Term | Safe Harbor QM (43-Q) | 2<br> B |  |  |  |  |  | [3] Document Error - Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.<br> [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. | HOI policy provide reflects incorrect mortgagee clause. Lender to provide updated policy reflecting "Lender its successors and assigns" |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 11/XX/2021). (Final/10/XX/2021)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | State Compliance - New York Late Charge Percent Testing: Late Charge percentage of 5% is in excess of the NY state maximum.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Disclosure reflects TOP of $XXX but calculated TOP of $XXX. Variance = $XXX.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | SELLER - GENERAL COMMENT (2022/XX/07): Agree: Closing CD issued 10/XX/2021 Total of Payments disclosed is $XXX. Total of Payments calculated is $XXX. Post Close CD issued 11/XX/2021 Total of Payments disclosed $XXX increased by $XXX. Appraisal fee increased by $XXX on post close CD. $XXX Refund required to remedy.<br> REVIEWER - GENERAL COMMENT (2022/XX/09): Appraisal fee was added on the PCCD dated that was not present on the final CD. Please provide PCCD, LOE, copy of refund check, proof of delivery and reopening of RTC to cure. | GENERAL COMMENT (2022/XX/07): Agree: Closing CD issued 10/XX/2021 Total of Payments disclosed is $XXX. Total of Payments calculated is $XXX. Post Close CD issued 11/XX/2021 Total of Payments disclosed $XXX increased by $XXX. Appraisal fee increased by $XXX on post close CD. $XXX Refund required to remedy. |  |  | - |
| 6452450777 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 9/XX/2021 | 6/XX/2021 | Primary | Refinance Rate/Term | Safe Harbor QM (43-Q) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 11/XX/2021). (Final/09/XX/2021) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge Variance in the amount of $XXX greater than the allowed variance of $XXX. | SELLER - GENERAL COMMENT (2022/XX/07): Disagree: Final disclosed finance charge is $XXX. Calculated finance charge is $XXX. Finance charge is understated by $XXX and is acceptable. Fees include: Processing $XXX, Closing/Escrow $XXX, Patriot Act Search $XXX, Recording Service $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br> REVIEWER - GENERAL COMMENT (2022/XX/09): Title - Mobile notary fee is being tested as a finance charge. "The state maximum is $XXX per signature. That is not the minimum per signature. The fee was paid to the title company.<br> If the lender obtains an invoice from the title company that breaks out the components of the $XXX fee, we will revisit the loan.<br>While a notary fee itself (for notarial action) paid to a third party may be excluded from finance charge under 1026.4(c)(7), a signing fee or charge for "mobile" notary to come to borrower to conduct signing is not excluded from finance charge. Only flat amount for notarizing documents as authorized by law is excludable. See commentary under 1026.4(e)-3 below:<br> 3. Notary fees. In order for a notary fee to be excluded under §1026.4(e)(1), all of the following conditions must be met:<br> i. The document to be notarized is one used to perfect, release, or continue a security interest.<br> ii. The document is required by law to be notarized.<br> iii. A notary is considered a public official under applicable law.<br> iv. The amount of the fee is set or authorized by law.<br>If the fee disclosed represents a notary and signing fee lumped together, the total would be considered a finance charge unless it can be demonstrated which portion was allocated for which service."<br> SELLER - GENERAL COMMENT (2022/XX/16): Disagree: Mobile Notary and mobile signing fees are considered different. Mobile Notary fee listed on final CD is a non-APR fee and would not be included in finance charge calculation. No remediation required.<br> REVIEWER - GENERAL COMMENT (2022/XX/19): That is why the Title - Notary fee is being tested as a signing fee. The $XXX notary fee is over state maximum allowed per notary. Please provide documentation of required notarizations or provide PCCD with breakout of Notary and signing fee charges for testing, or provide cure. | GENERAL COMMENT (2022/XX/07): Disagree: Final disclosed finance charge is $XXX. Calculated finance charge is $XXX. Finance charge is understated by $XXX and is acceptable. Fees include: Processing $XXX, Closing/Escrow $XXX, Patriot Act Search $XXX, Recording Service $XXX and Prepaid Interest $XXX. Please see attached Brooks calculations.<br>GENERAL COMMENT (2022/XX/16): Disagree: Mobile Notary and mobile signing fees are considered different. Mobile Notary fee listed on final CD is a non-APR fee and would not be included in finance charge calculation. No remediation required. |  |  | - |
| 6452450765 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 11/XX/2021 | 8/XX/2021 | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 11/XX/2021). (Final/11/XX/2021)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/11/XX/2021)<br> [2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 11/XX/2021 contains a change in APR and contains an addition of a prepayment penalty and was not received by borrower at least three (3) business days prior to consummation.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (8304)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: The calculated finance charge is $XXX and the finance charge on the final CD was $XXX.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: No indication in the loan file that the initial CD dated 11/XX/21 was provided to the borrower at least 3 business days prior to closing. | SELLER - GENERAL COMMENT (2022/XX/07): Disagree: Final disclosed finance charge is $XXX. Calculated finance charge is $XXX. Finance charge is overstated by $XXX and is acceptable. Fees include: Processing $XXX, Attorney Fee $XXX, Courier $XXX, Sub Escrow $XXX and Prepaid Interest $XXX. Index value of 0.048% found on Commitment Letter. Please see attached Brooks calculations.<br> REVIEWER - GENERAL COMMENT (2022/XX/09): CEMA servicing lender attorney fee is being tested as a finance charge. Please provide PCCD, LOE, copy of refund check, proof of delivery and re-opening of RTC.<br> SELLER - GENERAL COMMENT (2022/XX/16): Disagree: Per XXX methodology for the sate of New York the CEMA - Servicing Lender Attorney fee is correctly placed in section H and would NOT be considered an APR fee.<br> REVIEWER - GENERAL COMMENT (2022/XX/19): With no specific exclusion under 4(c)(7) and the requirement for a servicing lender attorney fee, though disclosed in section H, would require the fee to be tested as a finance charge.<br> REVIEWER - CURED COMMENT (2022/XX/14): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2022/XX/14): Sufficient Cure Provided At Closing | GENERAL COMMENT (2022/XX/07): Disagree: Final disclosed finance charge is $XXX. Calculated finance charge is $XXX. Finance charge is overstated by $XXX and is acceptable. Fees include: Processing $XXX, Attorney Fee $XXX, Courier $XXX, Sub Escrow $XXX and Prepaid Interest $XXX. Index value of 0.048% found on Commitment Letter. Please see attached Brooks calculations.<br>GENERAL COMMENT (2022/XX/16): Disagree: Per XXX methodology for the sate of New York the CEMA - Servicing Lender Attorney fee is correctly placed in section H and would NOT be considered an APR fee. |  |  | - |
| 6452449555 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 1/XX/2013 | 12/XX/2012 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. |  |  |  |  |  | - |
| 6452450460 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2013 | 1/XX/2013 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA (2010) – GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) – GFE column on page 3 of Final HUD-1 does not match most recently disclosed GFE.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  |  |  |  |  | - |
| 6452449970 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 5/XX/2000 | 4/XX/2000 | Investment | Purchase |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449036 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2013 | 7/XX/2013 | Primary | Purchase |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd Frank Test: Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: Unable to determine if the borrower received a list of service providers due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match NMLS.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply. |  |  |  |  |  | - |
| 6452450736 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2013 | 3/XX/2013 | Primary | Purchase |  | 3<br> D |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd Frank Test: Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match the first adjustment date for the loan. |  | SELLER - GENERAL COMMENT (2023/XX/18): Final HUD-1 was not stamped or signed, however it did have a cover letter that confirmed that the enclosed Final HUD is the certified copy which is likely how that Escrow operated vs the stamp/signature.<br> REVIEWER - GENERAL COMMENT (2023/XX/18): The cover letter mentioned does not meet the requirements of a Final HUD-1. How a particular escrow company may or may not have operated in accordance with state standards is outside the scope of SAMC's review. A signed final HUD-1 has not been provided. Exception remains. | GENERAL COMMENT (2023/XX/18): Final HUD-1 was not stamped or signed, however it did have a cover letter that confirmed that the enclosed Final HUD is the certified copy which is likely how that Escrow operated vs the stamp/signature. |  | No | TNR Testing Not Required |
| 6452450066 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 5/XX/2013 | 4/XX/2013 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match the first adjustment date for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Taxes and Insurance Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the escrow payment that may apply during the first rate adjustment of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" total payment amount (PITI) on the Final TIL does not match the total payment amount that may apply during the first rate adjustment of the loan. |  |  |  |  |  | - |
| 6452450773 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2006 | 3/XX/2006 | Primary | UTD UTD |  | 3<br> D |  |  |  |  |  | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] General - Initial Rate Lock rate date is not documented in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 04/XX/2006 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  |  |  | UTD | Indeterminable |
| 6452451145 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 11/XX/2012 | 10/XX/2012 | Primary | Purchase |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | - |
| 6452449202 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 2/XX/2006 | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - |
| 6452450606 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2007 | 2/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 3<br> D |  |  |  |  |  | [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | Yes | TR HUD Deficiency |
| 6452449903 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2013 | 11/XX/2013 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Application / Processing - Missing Valuation: | Appraisal not provided. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor: Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | - |
| 6452449935 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | WA | 2/XX/2009 | 2/XX/2009 | Investment | Refinance UTD |  | 3<br> D |  |  |  |  |  | [3] Title / Lien Defect - Final Title Policy is missing. No evidence of title in file.<br> [3] General - Initial Rate Lock rate date is not documented in file.<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 03/XX/2009 used as disbursement date for compliance testing.<br> [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were run off an assumed value of a contract sales price or original loan amount, whichever applies.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2009 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.<br> [2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is other than single family residence, state and federal testing may be impacted. |  |  |  |  | No | TNR Testing Not Required |
| 6452449395 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 5/XX/2016 | 2/XX/2016 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2016 are underdisclosed. (Final/05/XX/2016)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - ARM Disclosure Status Test: File contains ARM program disclosure; however, it is not dated to determine it was provided within 3 business days of application.<br> Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet document not provided<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: File is missing List of Homeownership Counseling Organizations.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - Pre October 2018: Loan Disclosures: Page 1 of final CD shows monthly Estimated Taxes, Insurance & Assessments of $XXX translating to an annual payment of $XXX. Page 4 of final CD reflects Amount of Estimated Property Costs over Year 1 of 19,906.34.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  |  | - |
| 6452450796 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 5/XX/2018 | 4/XX/2018 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Statement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Statement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Statement, Tax Verification | HOI coverage provided is short $XXX. Please provide increased HOI coverage or RCE.<br> The following REO documents are required and missing: HOI and property tax verification.<br> The following REO documents are required and missing: HOI and property tax verification.<br> The following REO documents are required and missing: HOI and property tax verification.<br> The following REO documents are required and missing: Statement, HOI and property tax verification.<br> The following REO documents are required and missing: Statement, HOI and property tax verification.<br> The following REO documents are required and missing: Statement, HOI and property tax verification. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2018)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 04/XX/2018, Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. (XXX XXX/S-Corp) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure located in file; however, it is not dated to determine that it was sent to borrower within 3 business days of application date.<br> Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet Disclosure is missing.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: Based on Application Date, more recent tax returns are due/missing. Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 04/XX/2018, Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. |  |  |  |  | - |
| 6452450403 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 9/XX/2019 | 7/XX/2019 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in the file. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2019) | Federal Compliance - ARM Disclosure Timing Test: Adjustable Rate Mortgage Disclosure is not dated within 3 days of application.<br> Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet Disclosure is missing in the file. |  |  |  |  | - |
| 6452449906 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2015 | 11/XX/2015 | Primary | Refinance Rate/Term | ATR Risk | 3<br> C |  |  |  |  |  | [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 11/XX/2015<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 5.34 is less than Guideline PITIA months reserves of 12.00. | File does not contain documentation from lender/seller confirming the condo is warrantable.<br> Per Portfolio Express and expanded DTI guides, 43% DTI is allowed with a 720 fico and 12 months reserves. Insufficient assets were listed on the application to cover 12 months reserves. |  |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.<br> [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/XX/2015 disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final/12/XX/2015)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75197) | Federal Compliance - Check Loan Designation Match - ATR Risk: The maximum DTI is 38% per Portfolio Express guides. Loan approved at 40.433%<br> Federal Compliance - General Ability To Repay Provision Investor Guidelines: The maximum DTI is 38% per Portfolio Express guides. Loan approved at 40.433%<br> Federal Compliance - CHARM Booklet Disclosure Status: No evidence in file the CHARM booklet was provided to the borrower.<br> Federal Compliance - FACTA Disclosure Missing: FACTA disclosure missing from loan file.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial Escrow Account Statement is missing from the loan file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX was added on the 11/XX/15 Closing Disclosure. File did not contain a valid Change of Circumstance or evidence of a tolerance cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX was added on the 11/XX/15 Closing Disclosure. File did not contain a valid Change of Circumstance or evidence of a tolerance cure. | SELLER - GENERAL COMMENT (2023/XX/25): Disagree; Portfolio Express loans do not have their own specific max DTI requirements. RLU-NA 502-2 LOAN PARAMETERS / UNDERWRITING GUIDELINES section states: Debt ratios apply according to the program selected. Max DTI allowed is 43%.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Failure remains due to insufficient assets to cover the increase reserves. Per the Portfolio Express and Expanded DTI guides, 43% is allowed with a 720 fico and 12 months reserves.<br> SELLER - GENERAL COMMENT (2023/XX/25): Disagree; Portfolio Express loans do not have their own specific max DTI requirements. RLU-NA 502-2 LOAN PARAMETERS / UNDERWRITING GUIDELINES section states: Debt ratios apply according to the program selected. Max DTI allowed is 43%.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Failure remains due to insufficient assets to cover the increase reserves. Per the Portfolio Express and Expanded DTI guides, 43% is allowed with a 720 fico and 12 months reserves. | GENERAL COMMENT (2023/XX/25): Disagree; Portfolio Express loans do not have their own specific max DTI requirements. RLU-NA 502-2 LOAN PARAMETERS / UNDERWRITING GUIDELINES section states: Debt ratios apply according to the program selected. Max DTI allowed is 43%.<br>GENERAL COMMENT (2023/XX/25): Disagree; Portfolio Express loans do not have their own specific max DTI requirements. RLU-NA 502-2 LOAN PARAMETERS / UNDERWRITING GUIDELINES section states: Debt ratios apply according to the program selected. Max DTI allowed is 43%. |  |  | TILA ATR/QM |
| 6452450901 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2020 | 7/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX.<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 20.00.<br> [3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided | Borrower is short assets for closing and reserves.<br> Borrower has insufficient assets to cover funds to close and reserves.<br> Purchase Agreement missing in file. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2020)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2020 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 09/XX/2020). (Final/08/XX/2020)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/08/XX/2020)<br> [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 08/XX/2020 not received by borrower at least four (4) business days prior to closing. (Interim/08/XX/2020) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: File is missing a fully executed initial 1003.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial Escrow Account Disclosure Missing in file.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX. Variance = $XXX. Lender to provide corrected CD and copy of letter sent to borrower explaining changes.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing<br> Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Revised Loan Estimate provided on 08/XX/2020 not received by borrower at least four (4) business days prior to closing. | REVIEWER - GENERAL COMMENT (2023/XX/30): Missing Signed/dated Initial 1003. |  |  |  | - |
| 6452449853 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2017 | 10/XX/2017 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 09/XX/2017 | Documentation certifying the subject property condo is warrantable is missing from the file. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2017)<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 11/XX/2017). (Final/10/XX/2017)<br> [2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2017 disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final/10/XX/2017) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charge disclosed is $XXX. Calculated finance charge is $XXX. Variance is $XXX. Unable to determine the cause of the under disclosure due to missing the final itemization of finance charges. TILA Material Disclosure Cure – Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and re-open rescission if applicable. |  |  |  |  | - |
| 6452449204 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 9/XX/2014 | 8/XX/2014 | Primary | Refinance Cash-out - Other | Safe Harbor QM | 3<br> C<br> B |  |  |  |  |  | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Application / Processing - Missing Document: AUS not provided<br> [3] Application / Processing - Missing Document: Fraud Report not provided<br> [3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX | File is missing the approve/eligible AUS<br> AUS document is not in file.<br> Fraud Report not provided.<br> Fraud Report not provided | REVIEWER - GENERAL COMMENT (2023/XX/26): Missing AUS. |  |  |  |  |  |  |  |  | 3<br> C<br> B | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2014)<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: GFE Date: 09/XX/2014 Changed Circumstance not provided for GFE dated 09/XX/2014 from GFE dated 08/XX/2014<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Check Loan Designation Match - QM: The AUS is missing from the file, causing the loan to waterfall through the QM Testing, resulting in a Loan Designation discrepancy.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of appraisal delivery 3 days prior to closing is not in file.<br> Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: Changed Circumstance not provided<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: The file was missing a copy of the Initial 1003<br> Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: Affiliated Business Arrangement Disclosure document not provided.<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: Right to Received a copy of appraisal disclosure document not provided. |  |  |  |  | TILA ATR/QM |
| 6452449501 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 6/XX/2016 | 5/XX/2016 | Primary | Refinance Limited Cash-out GSE | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Credit Documentation - Missing Document: Occupancy Certificate not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 06/XX/2016). (Final/XX/20/2016)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance Charges are $XXX. Calculated Finance Charges are $XXX. There is a variance of -$XXX.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: 10% Tolerance exceeds by $XXX. File does not contain a valid COC, cure provided at closing. | REVIEWER - CURED COMMENT (2023/XX/23): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452451148 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2016 | 8/XX/2016 | Primary | Refinance Cash-out - Other | Non QM | 3<br> C |  |  |  |  |  | [3] General - Missing Document: HELOC Agreement not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided<br> [3] Credit Documentation - Missing Document: Subordination Agreement not provided | Missing the HELOC agreement to confirm a break down of the terms for the second lien.<br> Missing all pages of the final 1003. The final 1003 in file states to "see attachments" missing these attachments.<br> Missing second lien note/HELOC agreement.<br> Missing the executed subordination agreement. |  |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - Other Income - Not to be used for qualifying: Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion)<br> [3] Federal Compliance - Retirement Documentation: Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (XXX XXX/IRA Distribution)<br> [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C)<br> [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/09/XX/2016)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Additional/09/XX/2016)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2016)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 08/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 04/XX/2016. (XXX XXX/Schedule K-1 less than 25 Percent)<br> [2] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 08/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 04/XX/2016. (XXX XXX/Schedule C)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 08/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 04/XX/2016. (XXX XXX/Schedule K-1 less than 25 Percent)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 08/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 04/XX/2016. (XXX XXX/Schedule C)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 10/XX/2016 are underdisclosed. (Final/10/XX/2016) | Federal Compliance - Check Loan Designation Match - QM: Failure due to missing income documents for a Safe Harbor QM loan. Loan is defaulting to QM/ATR testing requirements.<br> Federal Compliance - Other Income - Not to be used for qualifying: Loan designation provided was Safe Harbor QM. Asset depletion income type is non compliant with Safe Harbor requirements.<br> Federal Compliance - Retirement Documentation: File is missing 2015 signed/dated tax returns and the award/verification letter from the Investment banker.<br> Federal Compliance - Sole Proprietorship Income Documentation Test: File is missing the 2015 signed/dated tax returns, year to date signed/dated balance sheet and third party verification dated within 30 days of the note date verifying dates of operation, good standing and active status.<br> Federal Compliance - ARM Disclosure Timing Test: Disclosure does not reflect a date provided.<br> Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet file is missing<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing confirmation of borrower receipt of the appraisal.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing confirmation of borrower receipt of the appraisal.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Missing confirmation of borrower receipt of the appraisal.<br> Federal Compliance - Self-Employed Tax Return Recency: This is due to missing 2015 executed returns. Tax return extension for 2015 is in the file.<br> Federal Compliance - Self-Employed Tax Return Recency: This is due to missing 2015 executed returns. Tax return extension for 2015 is in the file.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: Failure due to missing 2015 signed/dated tax returns and additional income documentation required for Safe Harbor QM documentation requirement.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: File is missing the 2015 signed/dated tax returns, year to date signed/dated balance sheet and third party verification dated within 30 days of the note date verifying dates of operation, good standing and active status.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - Pre October 2018: Final and post-closing disclosure reflect an annual amount of $XXX. Taxes are $XXX, HOI is $XXX = $XXX (which matches page 1 of the final closing disclosure) X 12 = $XXX. | REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3 days of application. |  |  |  | TILA ATR/QM |
| 6452449858 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2019 | 8/XX/2019 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 89.87879% exceeds Guideline combined loan to value percentage of 80.00000%.<br> [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | Per lender guides for the 2nd mortgage: Up to 89.90% TLTV is allowed with a concurrent XXX FlexEquity 2nd with a minimum 730 credit score (or 740 if required by UB 1st Mortgage guidelines). The 2nd mortgage was provided by Alliant Credit Union, not XXX as required for the increased LTV.<br> HOI coverage is insufficient by $XXX Provide updated policy reflecting minimum coverage of $XXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2019)<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. | Federal Compliance - CHARM Booklet Disclosure Status: The file was missing evidence the CHARM Booklet was provided to borrower within 3 days of initial application.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial escrow account statement was not provided to the borrower in loan file | REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3 days of application. |  |  |  | - |
| 6452449392 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 7/XX/2019 | 6/XX/2019 | Primary | Refinance Cash-out - Other | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Property was not in FEMA disaster at the time of closing. Disaster end date XX/XX/XXXX. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/XX/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/07/XX/2019) | Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: Final Closing Disclosure provided on 07/XX/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). |  |  |  |  | - |
| 6452451073 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2016 | 10/XX/2016 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 11/XX/2016<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 43.08924% exceeds Guideline total debt ratio of 38.00000%.<br> [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 78.85305% exceeds Guideline loan to value percentage of 75.00000%.<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 3.32 is less than Guideline PITIA months reserves of 6.00.<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification<br> [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 09/XX/2014 | E-Sign Consent Agreement is not provided.<br> File does not contain documentation from lender/seller to verify it is confirming condo is warrantable or not.<br> DTI exceeds guidelines and borrower credit score is not high enough to qualify for the expanded DTI guidelines.<br> LTV exceeds guidelines and file does not meet required credit score for increased LTV to 80%.<br> Hazard insurance is missing for REO XXX, CA.<br> File is missing a VVOE within 10 days for this employment | REVIEWER - GENERAL COMMENT (2023/XX/02): Trailing docs did not contain any docs to clear this exception.<br> REVIEWER - GENERAL COMMENT (2023/XX/02): Trailing docs did not contain any docs to clear this exception.<br> REVIEWER - GENERAL COMMENT (2023/XX/02): Trailing docs did not contain any docs to clear this exception. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: File does not contain a valid COC for this fee, cure not provided at closing. |  |  |  |  | - |
| 6452449262 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2019 | 3/XX/2019 | Primary | Purchase | Non QM | 3<br> C |  |  |  |  |  | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Property type discrepancy.: Appraisal property type of Single Family Detached does not match Guideline property type of PUD.<br> [3] Missing Document - Missing Lender's Initial 1003/Application. | Appraisal reflects the subject as Single Family when Final Title reflects it was a PUD and the Security Instrument contains a PUD Rider.<br> File is missing a fully executed initial application. | REVIEWER - GENERAL COMMENT (2023/XX/28): The 1004 reflects the subject property as Single Family Detached, However the Security Instrument indicated a Planned Unit Development accompanied by a Planned Unit Development Rider.<br> REVIEWER - GENERAL COMMENT (2023/XX/22): EXCEPTION HISTORY - Exception Explanation was updated on 08/XX/2023 PRIOR Exception Explanation: Appraisal property type of does not match Guideline property type of PUD. |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/12402430)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/04/XX/2019)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | Federal Compliance - Check Loan Designation Match - QM: File is missing Diploma for CoBorrower.<br> Federal Compliance - QM Employment History: File is missing Diploma for XXX.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Earlier receipt of disclosure not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid change of circumstance or cure provided for the Tax Service Fee exceeding the allowed tolerance. | REVIEWER - GENERAL COMMENT (2023/XX/28): Trailing documents reviewed unable to clear.<br> SELLER - GENERAL COMMENT (2023/XX/18): Transcripts are in file for XXX covering Summer and Fall 2016 as well as transcript in file for XXX that covers 1/XX/2017 when program entered and 11/XX/2017 completion date when AS in XXX was earned.<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Unable to clear due to discrepancy in property type and missing explanation for gap from 11/XX/2017 to 3/XX/2018.<br> REVIEWER - GENERAL COMMENT (2023/XX/22): EXCEPTION HISTORY - Exception Detail was updated on 08/XX/2023 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.<br> REVIEWER - GENERAL COMMENT (2023/XX/28): Trailing documents reviewed unable to clear.<br> SELLER - GENERAL COMMENT (2023/XX/18): Transcripts are in file for XXX covering Summer and Fall 2016 as well as transcript in file for XXX that covers 1/XX/2017 when program entered and 11/XX/2017 completion date when AS in XXX was earned.<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Unable to clear due to discrepancy in property type and missing explanation for gap from 11/XX/2017 to 3/XX/2018. | GENERAL COMMENT (2023/XX/18): Transcripts are in file for XXX covering Summer and Fall 2016 as well as transcript in file for XXX that covers 1/XX/2017 when program entered and 11/XX/2017 completion date when AS in XXX was earned.<br>GENERAL COMMENT (2023/XX/18): Transcripts are in file for XXX covering Summer and Fall 2016 as well as transcript in file for XXX that covers 1/XX/2017 when program entered and 11/XX/2017 completion date when AS in XXX was earned. |  |  | TILA ATR/QM |
| 6452451249 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 6/XX/2016 | 5/XX/2016 | Primary | Purchase | Non QM | 3<br> C |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C)<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016) | Federal Compliance - Check Loan Designation Match - QM: Failure due to missing income documents<br> Federal Compliance - Sole Proprietorship Income Documentation Test: File is missing a year to date P&L and balance sheet for the most recent quarter.<br> Federal Compliance - ARM Disclosure Status Test: Arm disclosure is missing from the file and evidence of borrower's receipt<br> Federal Compliance - CHARM Booklet Disclosure Status: Require Consumer Handbook on Adjustable Rate Mortgages Disclosure.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of borrower's receipt of the appraisal was not included in the loan file. |  |  |  |  | TILA ATR/QM |
| 6452449658 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2019 | 3/XX/2019 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [3] General - Missing Document: Drive By not provided<br> [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 09/XX/2018 |  | SELLER - GENERAL COMMENT (2023/XX/18): Disagree; XXX guidelines did not require a re-inspection for this property prior to loan closing.<br> REVIEWER - GENERAL COMMENT (2023/XX/21): An inspection is required for properties in which the most recent valuation inspection date is prior to the Disaster Declaration End Date. Inspection not found in order to clear the exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): Agree.<br> REVIEWER - GENERAL COMMENT (2023/XX/21): VVOE within 10 business days not provided as required. Exception remains. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/04/XX/2019)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7507) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> Federal Compliance - CHARM Booklet Disclosure Timing: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Proof of receipt of appraisal was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Second Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  | GENERAL COMMENT (2023/XX/18): Disagree; XXX guidelines did not require a re-inspection for this property prior to loan closing.<br>GENERAL COMMENT (2023/XX/18): Agree. |  |  | - |
| 6452450225 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 1/XX/2019 | 11/XX/2018 | Primary | Refinance Cash-out - Debt Consolidation | ATR Risk | 3<br> C |  |  |  |  |  | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 44.47497% exceeds Guideline total debt ratio of 43.00000%. | DTI exceeds maximum due to qualification method. |  |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.<br> [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 44.47497% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2019 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (Final/01/XX/2019)<br> [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/11/XX/2018)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75197)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - Check Loan Designation Match - ATR Risk: Client elects to restate loan designation to Non QM.<br> Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower<br> Federal Compliance - FACTA Disclosure Missing: FACTA disclosure document not provided<br> Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application: Individual Loan Originator not NMLS licensed or registered at time of application.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: Final Closing Disclosure provided on 01/XX/2019 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan<br> Federal Compliance - TRID Loan Estimate Timing: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX | REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3 days of application. |  |  |  | TILA ATR/QM |
| 6452449117 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 9/XX/2020 | 9/XX/2020 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [3] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXX // Account Type: Savings / Account Number: XXX | E-sign Consent Agreement is missing in this loan file.<br> Two months required per guidelines. |  |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: 09/XX/2020 |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/09/XX/2020)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/09/XX/2020)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  |  |  |  | - |
| 6452449066 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 7/XX/2014 | 6/XX/2014 | Investment | Refinance Rate/Term | N/A | 2<br> B |  |  |  |  |  | [3] Guideline Issue - Aged document: Asset Account date is more than 90 days prior to Closing.: Financial Institution: XXX // Account Type: Savings / Account Number: XXX<br> [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2014<br> [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA, Address: XXX, CA Statement<br> Statement | File is missing an updated consecutive bank statement for this account. Account is required to cover reserves.<br> Hazard coverage of $XXX is insufficient to cover the loan amount of $XXX.<br> File is missing current mortgage statements for these 2 properties. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Application / Processing - Missing Document: Missing Lender's Initial 1003: File is missing signed/dated initial application<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: File is missing a signed/dated initial appraisal disclosure dated within 3 business days of the application |  |  |  |  | - |
| 6452450052 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 2/XX/2017 | 10/XX/2016 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  | [3] Credit Documentation - Aged document: Credit Report is more than 90 days prior to the note date.: Credit Report: Original // Borrower: XXX<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 47.02723% exceeds Guideline total debt ratio of 43.00000%.<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX Third Party Verification | Per the final 1008 in the file, Lender used total monthly payments of $XXX to calculate a DTI of 44.232% (which also exceeds the guideline maximum of 43%); however, the total of all monthly payments during review is $XXX (Subject property negative cash flow of $$XXX + credit debt of $XXX + spousal support of $XXX per month) resulting in a DTI of 47.02723%, which exceeds the maximum allowable DTI under expanded guidelines of 43%.<br> Guidelines require third party verification dated within 21 days of the Note date for all businesses. File is missing evidence of third party verification for the second business listed on the final 1003. |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449837 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | WA | 4/XX/2017 | 4/XX/2017 | Primary | Purchase | Non QM | 3<br> C |  |  |  |  |  | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. |  |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - Overtime Bonus 2Yr Calc: Qualified Mortgage (Dodd-Frank 2014): Use of Overtime/Bonus income for less than two (2) years not justified or documented in writing. (XXX XXX/Bonus)<br> [3] Federal Compliance - Overtime Bonus Declining: Qualified Mortgage (Dodd-Frank 2014): Use of continual decline in income for Overtime/Bonus not justified or documented. (XXX XXX/Bonus)<br> [3] Federal Compliance - Overtime Bonus Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. (XXX XXX/Bonus)<br> [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2017)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/04/XX/2017)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - Check Loan Designation Match - QM: Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exception have been cured/ cleared.<br> Federal Compliance - Overtime Bonus 2Yr Calc: Written verification of employment provided in loan file reflects "see attached" but missing other page. Unable to determine/verify prior year bonus income due to missing documentation.<br> Federal Compliance - Overtime Bonus Declining: Written verification of employment provided in loan file reflects "see attached" but missing other page. Unable to determine/verify prior year bonus income due to missing documentation.<br> Federal Compliance - Overtime Bonus Method of Calculation: Written verification of employment provided in loan file reflects "see attached" but missing other page. Unable to determine/verify prior year bonus income due to missing documentation.<br> Federal Compliance - QM DTI: The DTI of 43.17542% exceeds the QM maximum of 43.00%<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Initial 1003 in loan file is missing borrowers signature and date.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure dated 04/XX/2017 was not provided to Borrower(s) at least three business days prior to closing 04/XX/2017.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. A copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  | TILA ATR/QM |
| 6452449482 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2019 | 2/XX/2019 | Primary | Refinance Cash-out - Other | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.<br> [3] Application / Processing - Missing Document: Fraud Report not provided<br> [3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX<br> [3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX | HOI coverage is insufficient by $XXX. Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount.<br> Fraud Report is missing for both borrowers.<br> Fraud Report is missing for both borrowers.<br> Credit report missing for both borrowers. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/03/XX/2019)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  |  |  |  | - |
| 6452449452 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 7/XX/2017 | 6/XX/2017 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Require E-Sign Consent Agreement. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2017)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 06/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule K-1 less than 25 Percent)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 06/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule K-1 less than 25 Percent)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 06/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule K-1 less than 25 Percent)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/07/XX/2017) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No proof of appraisal being sent to borrower 3 days prior to closing.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2016 tax return with all Schedules not provided. Only tax return extension was provided, causing the loan to waterfall through the QM Testing.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2016 tax return with all Schedules not provided. Only tax return extension was provided, causing the loan to waterfall through the QM Testing.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: 2016 tax return with all Schedules not provided. Only tax return extension was provided, causing the loan to waterfall through the QM Testing.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: The Initial Closing Disclosure provided on 07/XX/2017 was not provided at least 3 days prior to closing date of 07/XX/2017. | REVIEWER - GENERAL COMMENT (2023/XX/15): The EV2 exception is for informational purposes. The reason for the exception is due to the recency of the tax returns provided.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): The EV2 exception is for informational purposes. The reason for the exception is due to the recency of the tax returns provided.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): The EV2 exception is for informational purposes. The reason for the exception is due to the recency of the tax returns provided. |  |  |  | - |
| 6452450055 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2016 | 9/XX/2016 | Primary | Purchase | ATR Risk | 3<br> C |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 11/XX/2016<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 43.42453% exceeds Guideline total debt ratio of 43.00000%. | Missing E-sign Agreement in the file.<br> The 1003 states the REO in India has a monthly payment of $XXX, which results in dti that exceeds guideline max of 43%. | SELLER - GENERAL COMMENT (2023/XX/18): same as above. Concur: PITIA on XXX property not included in total liabilities and no documents verifying any reason to omit.<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear the condition. Exception remains open.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains. |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.<br> [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.75676% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2017). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold. (Final/12/XX/2016)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7568)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - Check Loan Designation Match - ATR Risk: Client elects to restate loan designation to Non QM<br> Federal Compliance - General Ability To Repay Provision Investor Guidelines: The calculated dti exceeds 43% and the gift documentation is insufficient to verify receipt of gift funds.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Updated qualification method after designation switch.<br> Federal Compliance - CHARM Booklet Disclosure Status: Missing CHARM Booklet Disclosure in the file<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on 12/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2017). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title Notary-Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | SELLER - GENERAL COMMENT (2023/XX/18): same as above. Concur: PITIA on XXX property not included in total liabilities and no documents verifying any reason to omit.Unable to locate XXX gift fund receipt.<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear the condition. Exception remains open.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains. | GENERAL COMMENT (2023/XX/18): same as above. Concur: PITIA on XXX property not included in total liabilities and no documents verifying any reason to omit.Unable to locate XXX gift fund receipt.<br>GENERAL COMMENT (2023/XX/18): same as above. Concur: PITIA on XXX property not included in total liabilities and no documents verifying any reason to omit.<br>GENERAL COMMENT (2023/XX/25): Agree with error<br>GENERAL COMMENT (2023/XX/25): Agree with error |  |  | TILA ATR/QM |
| 6452449128 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2017 | 10/XX/2017 | Primary | Refinance Cash-out - Other | Non QM | 3<br> C |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in the file. |  |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - Self Employed Financial Strength: Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (XXX XXX/Schedule C)<br> [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C)<br> [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C)<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - Check Loan Designation Match - QM: The Originator Loan Designation is Safe Harbor QM. However, the loan is missing self employed income documentation which resulted in a Due Diligence Loan Designation of Non QM.<br> Federal Compliance - Self Employed Financial Strength: Letter of explanation in file addressing the decline from one year to the other; however, it does not address why the YTD figure is down even more. Without additional information, the YTD average should have been utilized for qualifying.<br> Federal Compliance - Sole Proprietorship Income Documentation Test: Self-employed documentation is insufficient due to missing signed and dated tax returns for both borrower and co-borrower, and balance sheets.<br> Federal Compliance - Sole Proprietorship Income Documentation Test: Self-employed documentation is insufficient due to missing signed and dated tax returns for both borrower and co-borrower, and balance sheets.<br> Federal Compliance - ARM Disclosure Status Test: Evidence of disclosure receipt is not in file.<br> Federal Compliance - CHARM Booklet Disclosure Status: Evidence of disclosure receipt is not in file.<br> Federal Compliance - Payoff Statement Missing: Mortgage payoff statement is not in file.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Evidence of disclosure receipt is not in file. |  |  |  |  | TILA ATR/QM |
| 6452450783 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2020 | 3/XX/2020 | Investment | Refinance Rate/Term | N/A | 2<br> B |  |  |  |  |  | [3] Guideline Issue - Aged document: Primary Valuation is older than guidelines permit: Valuation Type: Appraisal / Valuation Report Date: 10/XX/2019<br> [3] General - Final Title Policy Coverage is less than Original Loan Amount.: The Final Title Policy Amount of $XXX is less than the note amount of $XXX based on the Short Form in file.<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX Third Party Verification<br> [3] Income Documentation - Income documentation requirements not met.<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification | Per, guidelines the Appraisal cannot be (120) days prior to the Note date. The Valuation Report date is 10/XX/2019 the Note Date is 03/XX/2020.<br> The Final Title Policy Amount of $XXX is less than the note amount of $XXX based on the Short Form in file. There is a variance of ($XXX)<br> Income documentation requirements were not met. Due to missing supporting income documentation of borrower(s) Interest/Dividends and XXX Income.<br> Income documentation requirements were not met. Due to missing supporting income documentation of borrower(s) Interest/Dividends and XXX Income.<br> Property XXX, is missing the real estate tax verification and insurance policy. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2019) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Valuations were not provided to borrower(s) (3) days prior to loan consummation. |  |  |  |  | - |
| 6452450988 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 7/XX/2016 | 7/XX/2016 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2016 | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  |  | [3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2016 | Appraiser's license or certification was not active at the time of the appraisal expired before note date. |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2016)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2016)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/07/XX/2016)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7726)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Loan Tie-In Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77176) | Federal Compliance - CHARM Booklet Disclosure Status: The file was missing evidence the CHARM Booklet was provided to borrower within 3 days of initial application.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Lender's initial 1003 missing in the file.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  |  |  |  | - |
| 6452450934 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 7/XX/2019 | 6/XX/2019 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [3] Income Documentation - Income Docs Missing:: Borrower: XXX K-1 (2018)<br> [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | XXX 2018 k-1 missing<br> Coverage shortfall of $XXX. |  |  |  |  |  |  | [3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: 06/XX/2019 | Appraiser's certification is missing |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/06/XX/2019)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2019)<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 06/XX/2019, Most Recent Tax Return End Date 12/XX/2017, Tax Return Due Date 03/XX/2019. (XXX XXX/Partnership)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 06/XX/2019, Most Recent Tax Return End Date 12/XX/2017, Tax Return Due Date 03/XX/2019. (XXX XXX/Partnership)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2019 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2167243)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2019 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2167242)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2019 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2167241)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 07/XX/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2167240)<br> [1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/XX/2019 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/07/XX/2019) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: We do not have evidence of valuation copy being provided to the borrower prior to 3 business days of closing.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: We do not have evidence of valuation copy being provided to the borrower prior to 3 business days of closing.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial escrow account was not provided to the borrower.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: We have 2018 tax return extension in file however we need 2018 tax return in file.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: We have 2018 tax return extension in file however we need 2018 tax return in file.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: On Final Closing Disclosure provided on 07/XX/2019 the escrow payment as $XXX instead of $XXX<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: On Final Closing Disclosure provided on 07/XX/2019 the escrow payment as $XXX instead of $XXX<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: On Final Closing Disclosure provided on 07/XX/2019 the escrow payment as $XXX instead of $XXX<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: On Final Closing Disclosure provided on 07/XX/2019 the escrow payment as $XXX instead of $XXX<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed: On Final Closing Disclosure provided on 07/XX/2019 the escrow payment as $XXX instead of $XXX | REVIEWER - CURED COMMENT (2023/XX/28): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450424 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 11/XX/2016 | 7/XX/2016 | Primary | Refinance Cash-out - Other | ATR Fail | 3<br> C |  |  |  |  |  | [3] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXX // Account Type: Stocks / Account Number: XXX, Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Stocks / Account Number: XXX, Financial Institution: XXX // Account Type: Stocks / Account Number: XXX<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX 1120S (2014), 1120S (2015), K-1 (2014), K-1 (2015), P&L Statement<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA, Address: XXX, CA, Address: XXX, CA Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> [3] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008<br> [3] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008<br> [3] Income Documentation - Verification(s) of employment is not within 10 calendar days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2011<br> [3] Income Documentation - Verification(s) of employment is not within 10 calendar days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008<br> [3] Income Documentation - Verification(s) of employment is not within 10 calendar days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 | File is missing 2 consecutive months' statements dated within 90 days of Note date for accounts ending in XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX.<br> File is missing the following income documentation for the co-borrower's 2 S-corp businesses: 2014 and 2015 1120s, 2014 and 2015 K-1s and YTD P&L for both businesses.<br> Insurance verification document is missing in file for all 3 additional REOs owned by borrowers.<br> Missing verification of employment for borrower's XXX positions.<br> Missing VVOE dated within 10 days of Note date for borrower's wage earner income used in income qualification.<br> Missing VVOE dated within 10 days of Note date for borrower's wage earner income used in income qualification.<br> Missing VVOE dated within 10 days of Note date for borrower's wage earner income used in income qualification. | REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): unable to locate updated assets statements to clear finding<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/25): No supporting trailing documentation was provided to clear this exception. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): unable to locate<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): unable to locate insurance verification for the properites in question<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/25): No supporting trailing documentation was provided to clear this exception. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): unable to locate<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): note dated 11/XX/2016, VOE for XXX dated 11/XX/2016<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Additional information for this employer was not provided. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Provided VOE for XXX dated 11/XX/2016.<br> REVIEWER - GENERAL COMMENT (2023/XX/25): No supporting trailing documentation was provided to clear this exception. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): unable to locate<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): unable to locate<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): unable to locate<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains. |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.<br> [3] Federal Compliance - General Ability To Repay Provision Employment - S-Corp Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/S-Corp)<br> [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages)<br> [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages)<br> [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages)<br> [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Asset Depletion Income: Ability to Repay (Dodd-Frank 2014): Unable to verity asset depletion income due to, bank statement provided was dated more than 90 days prior to closing. (XXX (employer unknown)/Asset Depletion)<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 03/XX/2016. (XXX XXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 03/XX/2016. (XXX XXX/S-Corp)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - Check Loan Designation Match - ATR: Waterfall exception due to missing the required income and asset documentation.<br> Federal Compliance - General Ability To Repay Provision Employment - S-Corp Test: File is missing third party verification of this business, along with the 2 years' most recent 1120s, K-1s and YTD P&L statement.<br> Federal Compliance - General Ability To Repay Provision Employment - W-2: VOE for this employer was missing from the file.<br> Federal Compliance - General Ability To Repay Provision Employment - W-2: File is missing verification of employment for borrower's XXX positions.<br> Federal Compliance - General Ability To Repay Provision Employment - W-2: File is missing verification of employment for borrower's XXX positions.<br> Federal Compliance - General Ability To Repay Provision Income and Assets - Asset Depletion Income: Unable to verity asset depletion income due to, bank statements provided are all dated more than 90 days prior to to the Note date. Please provide two consecutive months' statements for all accounts used, dated within 90 days of Note date.<br> Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure provided is not signed or dated to determine it was delivered within 3 business days of application.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: Missing 2 years' most recent tax returns for co-borrower's S-corp.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: Missing 2 years' most recent tax returns for co-borrower's S-corp.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. | SELLER - GENERAL COMMENT (2023/XX/18): Agree<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): unable to locate<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/25): No supporting trailing documentation was provided to clear this exception. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): W2/Paystub in file and was used to calculate income<br> REVIEWER - GENERAL COMMENT (2023/XX/22): VVOE performed within ten days of the Note was not provided. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): unable to locate<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> BUYER - GENERAL COMMENT (2023/XX/12): ATR related docs<br> REVIEWER - GENERAL COMMENT (2023/XX/13): Reviewed all trailing documents. The documents to clear the ATR exceptions were not among them. The ARM change notice was among the docs.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Lender is unable to clear condition. Exception remains open.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Trailing docs did not contain any docs to clear this exception.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Reviewed all trailing documentation. Documents necessary to clear condition were not provided. | GENERAL COMMENT (2023/XX/18): unable to locate<br>GENERAL COMMENT (2023/XX/18): unable to locate<br>GENERAL COMMENT (2023/XX/18): unable to locate<br>GENERAL COMMENT (2023/XX/18): unable to locate<br>GENERAL COMMENT (2023/XX/18): W2/Paystub in file and was used to calculate income<br>GENERAL COMMENT (2023/XX/18): unable to locate<br>GENERAL COMMENT (2023/XX/18): note dated 11/XX/2016, VOE for XXX dated 11/XX/2016<br>GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): unable to locate<br>GENERAL COMMENT (2023/XX/18): unable to locate<br>GENERAL COMMENT (2023/XX/18): Agree<br>GENERAL COMMENT (2023/XX/18): unable to locate insurance verification for the properites in question<br>GENERAL COMMENT (2023/XX/18): unable to locate updated assets statements to clear finding<br>GENERAL COMMENT (2023/XX/25): Agree with error<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Agree with error<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Agree with error<br>GENERAL COMMENT (2023/XX/25): Provided VOE for XXX dated 11/XX/2016.<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Agree with error<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Agree with error<br>GENERAL COMMENT (2023/XX/25): Agree with error |  |  | TILA ATR/QM |
| 6452449605 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2017 | 8/XX/2017 | Primary | Refinance Rate/Term | ATR Risk | 3<br> C |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.<br> [3] Income Documentation - Income documentation requirements not met.<br> [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/2016 | E-sign consent is missing in loan file<br> The VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on 10/XX/2017.<br> The VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on 10/XX/2017. | REVIEWER - GENERAL COMMENT (2023/XX/02): VVOE provided is dated 10/XX/2016. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Per the guidelines, verbal verification of current employment is to be done within 10 days of the Note Date. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/02): VVOE provided is dated 10/XX/2016. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): WVOE for B2 dated 09/XX/2017, note dated 10/XX/2017<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Per the guidelines, verbal verification of current employment is to be done within 10 days of the Note Date. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/25): No supporting trailing documentation was provided to clear this exception. Exception remains. |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.<br> [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2017)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/10/XX/2017)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Settlement / Closing / Escrow Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7555) | Federal Compliance - Check Loan Designation Match - ATR Risk: The VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on 10/XX/2017, causing the loan to waterfall through the QM Testing.<br> Federal Compliance - General Ability To Repay Provision Investor Guidelines: The VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on 10/XX/2017, causing the loan to waterfall through the QM Testing.<br> Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: The VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on 10/XX/2017, causing the loan to waterfall through the QM Testing.<br> Federal Compliance - ARM Disclosure Compliant Test: Evidence of disclosure receipt is not in file.<br> Federal Compliance - ARM Disclosure Timing Test: Evidence of disclosure receipt is not in file.<br> Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet is missing in loan file<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Initial Loan Application is not in file.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Evidence of receipt of initial CD 3 days prior to closing is not in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased without a valid change of circumstance. Cure was not provided at closing. | REVIEWER - GENERAL COMMENT (2023/XX/02): VVOE provided is dated 10/XX/2016. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Per the guidelines, verbal verification of current employment is to be done within 10 days of the Note Date. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/02): VVOE provided is dated 10/XX/2016. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Per the guidelines, verbal verification of current employment is to be done within 10 days of the Note Date. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/02): VVOE provided is dated 10/XX/2016. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Per the guidelines, verbal verification of current employment is to be done within 10 days of the Note Date. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. | GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): WVOE for B2 dated 09/XX/2017, note dated 10/XX/2017<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Agree with error |  |  | TILA ATR/QM |
| 6452449002 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2015 | 11/XX/2014 | Primary | Refinance Rate/Term | ATR Fail | 3<br> C |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [3] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 06/XX/1983 | The property is in a FEMA disaster area. Provide a satisfactory post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX (XXX) Declared Disaster End Date.<br> VOE was not provided within 10 business day of the note. | BUYER - GENERAL COMMENT (2023/XX/31): Utilized updated BPO to access no damage at property<br> REVIEWER - GENERAL COMMENT (2023/XX/01): BPO provided prior to disaster end date does not reflect damage.<br> REVIEWER - RE-GRADED COMMENT (2023/XX/01): BPO provided prior to disaster end date does not reflect damage.<br> REVIEWER - GENERAL COMMENT (2023/XX/26): BPO provided prior to disaster end date does not reflect damage.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. A Post Disaster Inspection is required to verify no damage to the Subject. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/02): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): Concur. Date of VVOE was 3/XX/15 and note was dated 3/XX/15. Borrower has been with employer since XXX and is a XXX. WVOE notes continued employment is "excellent."<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Rebuttal comment indicates client agrees with finding. Finding remains open.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error based on timing, but don't agree that a missing VOE significantly changes ATR impact based on the overall risk & quality of the transaction.<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains. |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.<br> [3] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/Partnership)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.<br> [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR.<br> [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance violation for 802 fee without evidence of sufficient cure provided.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Rate Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest rate on the Final TIL does not match the maximum interest rate that may apply during the first five (5) years of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match the first adjustment date for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Taxes and Insurance Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the escrow payment that may apply during the first rate adjustment of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" total payment amount (PITI) on the Final TIL does not match the total payment amount that may apply during the first rate adjustment of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest payment on the Final TIL does not match the maximum interest payment that may apply during the first five (5) years of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Principal Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" principal payment on the Final TIL does not match the maximum principal payment that may apply during the first five (5) years of the loan. | Federal Compliance - Check Loan Designation Match - ATR: Waterfall exception due to missing third party verification of borrower's LLC.<br> Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: File is missing third party verification of borrower's LLC.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Lender qualification method of 2% above the start rate fully amortized over 40 years does not match the qualification method required under 1026.43(c)(5).<br> Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Per NMLS website, loan originator not found.<br> Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Per NMLS website, loan originator not found.<br> Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: 10% tolerance violation with no cure provided.<br> Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: Zero percent fee tolerance with no cure provided.<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Document was provided 12/XX/2014, which is more than 3 business days after application date of 11/XX/2014.<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Document was provided 12/XX/2014, which is more than 3 business days after application date of 11/XX/2014.<br> Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Document was provided 12/XX/2014, which is more than 3 business days after application date of 11/XX/2014.<br> Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Total Payment (PITI) Inaccurate: Due to lender qualification method of 2% above the start rate fully amortized over 40 years not matching the qualification method required under ATR. | REVIEWER - GENERAL COMMENT (2023/XX/02): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): Concur. However, LOE in file states that these entities have ownership in multiple properties. Income is increasing and ATR is met.<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Rebuttal comment indicates client agrees with finding. Finding remains open.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/02): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): Concur. However, LOE in file states that these entities have ownership in multiple properties. Income is increasing and ATR is met.<br> REVIEWER - GENERAL COMMENT (2023/XX/22): Rebuttal comment indicates client agrees with finding. Finding remains open.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. | GENERAL COMMENT (2023/XX/18): Concur. However, LOE in file states that these entities have ownership in multiple properties. Income is increasing and ATR is met.<br>GENERAL COMMENT (2023/XX/18): Concur. However, LOE in file states that these entities have ownership in multiple properties. Income is increasing and ATR is met.<br>GENERAL COMMENT (2023/XX/18): Concur. Date of VVOE was 3/XX/15 and note was dated 3/XX/15. Borrower has been with employer since XXX and is a XXX. WVOE notes continued employment is "excellent."<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Agree with error based on timing, but don't agree that a missing VOE significantly changes ATR impact based on the overall risk & quality of the transaction. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. |  | TILA ATR/QM |
| 6452450402 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2017 | 6/XX/2017 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449872 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2017 | 2/XX/2017 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [3] Guideline Issue - Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $XXX.: Cash to Borrower: $XXX; Total Cash Out: $XXX; Refi Purpose: Rate/Term | E-sign Consent Agreement is missing in file<br> As per 1008 refi purpose is rate/term but as per final CD cash to borrower is $XXX. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2017) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of receipt of appraisal within 3 days of consummation not provided. |  |  |  |  | - |
| 6452450365 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 11/XX/2018 | 10/XX/2018 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E sign agreement was not in the file. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2018) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence the Appraisal was provided to the Borrower three days prior to closing is missing. |  |  |  |  | - |
| 6452450835 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2018 | 1/XX/2018 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 81.47668% exceeds Guideline combined loan to value percentage of 80.00000%.<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX 4506-T (2017) | Initial 03/XX/2018 CD was electronically provided to the borrower per the Conversation Log but proof of receipt was not found<br> Subject mortgage $XXX plus 2nd mortgage $XXX = $XXX. Appraisal missing, LTV calculated with $XXX value = 81.476%.<br> The file is missing a copy of the 4506-C (2016), 4506-T (2017). | REVIEWER - GENERAL COMMENT (2023/XX/13): EXCEPTION HISTORY - Exception Explanation was updated on 06/XX/2023 PRIOR Exception Explanation: 4506-C (2016), 4506-C (2017), 4506-T (2016), 4506-T (2017)<br> SELLER - GENERAL COMMENT (2023/XX/18): Disagree. 4506-T in file covering 2017 & 2016. Okay to use 4506-T for these years based on file date in 2018, 4506-C was not required for 3rd party IRS transcript requests until May 1 2021.<br> REVIEWER - GENERAL COMMENT (2023/XX/22): EXCEPTION HISTORY - Exception Explanation was updated on 08/XX/2023 PRIOR Exception Explanation: 4506-C (2016), 4506-C (2017), 4506-T (2017)<br> REVIEWER - GENERAL COMMENT (2023/XX/22): None of the 4506-T document cover the year 2017. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7507) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee increased with the 03//XX/2018 CD without a valid CIC or cure at close |  | GENERAL COMMENT (2023/XX/18): Disagree. 4506-T in file covering 2017 & 2016. Okay to use 4506-T for these years based on file date in 2018, 4506-C was not required for 3rd party IRS transcript requests until May 1 2021. |  |  | - |
| 6452449619 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 11/XX/2019 | 9/XX/2019 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2019)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  |  | - |
| 6452450705 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2019 | 5/XX/2019 | Primary | Refinance Cash-out - Home Improvement | Non QM | 2<br> B |  |  |  |  |  | [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Statement<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Tax Verification | Current mortgage statement is missing.<br> Insurance and tax verification is missing. |  |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: 08/XX/2019 | Appraisal was made subject to and 442 is not provided |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/20/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 08/XX/2019 are underdisclosed (Final/08/XX/2019) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXX on page 4; Final CD reflects Estimated Taxes, Insurance & Assessments of $XXX monthly, correct amount is $XXX. |  |  |  |  | - |
| 6452449266 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 9/XX/2015 | 8/XX/2015 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: GFE Date: 08/XX/2015, GFE Date: 08/XX/2015, GFE Date: 09/XX/2015 Changed Circumstance not provided for GFE dated 08/XX/2015 from GFE dated 08/XX/2015<br> Changed Circumstance not provided for GFE dated 08/XX/2015 from GFE dated 08/XX/2015<br> Changed Circumstance not provided for GFE dated 09/XX/2015 from GFE dated 08/XX/2015<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply. | Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet, not provided to the borrower.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Per lender guides, Qualification method to be used is the Note rate however does not meet ATR requirements.<br> Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: GFE/Miscellaneous Compliance GFE Date: 08/XX/2015: GFE Error: Changed Circumstance not provided.<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application hence please provide this document<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance charge is under disclosed by $XXX. Unable to determine cause for under disclosure due to missing final fully executed itemization of amount finance<br> Federal Compliance - Notice of Right to Cancel Missing: Notice of Right to Cancel was not provided.<br> Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan): "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply. |  |  |  |  | - |
| 6452449295 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 9/XX/2014 | 8/XX/2014 | Investment | Refinance Rate/Term | N/A | 2<br> B |  |  |  |  |  | [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 09/XX/2014 | Condo Warranty is missing in file |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XX/20/2014)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: File is missing a signed and dated Initial 1003 loan application. | REVIEWER - GENERAL COMMENT (2023/XX/29): Missing Initial signed/dated 1003.<br> REVIEWER - GENERAL COMMENT (2023/XX/30): Missing Signed/dated Initial 1003. |  |  |  | - |
| 6452450887 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 11/XX/2018 | 9/XX/2018 | Investment | Refinance Rate/Term | N/A | 2<br> B |  |  |  |  |  | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 72.02250% exceeds Guideline total debt ratio of 45.00000%.<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX Award Letter / Continuance Letter, Balance Sheet, P&L Statement, Third Party Verification<br> [3] Income Documentation - Income documentation requirements not met.<br> [3] Appraisal Documentation - Missing Document: Appraisal not provided<br> [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Credit Documentation - Missing Document: Occupancy Certificate not provided | File is missing credit report, appraisal and income documentation.<br> Calculated investor qualifying total debt ratio of 72.02250% exceeds Guideline total debt ratio of 45.00000%. Capital losses must be deducted from qualifying income.<br> Failure due to missing income documentation.<br> Final 1003 missing. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Application / Processing - Missing Document: Missing Lender's Initial 1003: Lenders Initial 1003 missing.<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | REVIEWER - GENERAL COMMENT (2023/XX/29): Missing Initial signed/dated 1003.<br> REVIEWER - GENERAL COMMENT (2023/XX/30): Missing Signed/dated Initial 1003. |  |  |  | - |
| 6452450728 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2016 | 8/XX/2016 | Primary | Refinance Cash-out - Other | ATR Risk | 3<br> C |  |  |  |  |  | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 49.87821% exceeds Guideline total debt ratio of 44.00000%.<br> [3] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided | The DTI exceeds the maximum allowable of 44%. | SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Based on lender guides, the qualifying method is 10/1 IO ARM – The qualifying rate is the greater of the note rate plus 2% or the fully-indexed rate. The qualifying payment is the payment based on the qualifying rate amortized over 30 years (the number of years remaining after the interest-only period ends). This calculation is causing the DTI discrepancy.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): No documentation was provided in trailing docs to clear this condition.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.<br> [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 49.87821% significantly exceeds the guideline maximum of 44.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established): Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan.<br> [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.91227% or final disclosure apr of XX.XX% is equal to or greater than the threshold of APOR 3.25% + 1.5%, or 4.75000%. Non-Compliant Higher Priced Mortgage Loan.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. (Final/10/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA-RESPA Integrated Disclosure - Loan Calculations: APR of 4.02500% on Final Closing Disclosure provided on 10/XX/2016 is under-disclosed from the calculated APR of 4.91227% outside of 0.250% tolerance. (Final/10/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 10/XX/2016). (Final/10/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2016). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold. (Final/10/XX/2016)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower. (0) | Federal Compliance - Check Loan Designation Match - ATR Risk: The DTI exceeds the maximum allowable of 44% which resulted in a calculated Due Diligence Loan Designation of ATR Risk.<br> Federal Compliance - General Ability To Repay Provision Investor Guidelines: The DTI exceeds the maximum allowable of 44%.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: The DTI exceeds the maximum allowable of 44%.<br> Federal Compliance - ARM Disclosure Status Test: ARM disclosure is not contains the document date.<br> Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet, not provided to the borrower.<br> Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established): Mandatory escrow account not established on 1st lien mortgage loan.<br> Federal Compliance - Federal HPML 2014 Non Compliant: APR on subject loan of 4.91227% or final disclosure apr of XX.XX% is equal to or greater than the threshold of APOR 3.25% + 1.5%, or 4.75000%. Non-Compliant Higher Priced Mortgage Loan with a change of circumstance in file.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Lender's Initial 1003 is not provided in the file.<br> Federal Compliance - TRID Final Closing Disclosure Amount Financed: Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan.<br> Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: Loan Calculations: APR of 4.02500% on Final Closing Disclosure provided on 10/XX/2016 is under-disclosed from the calculated APR of 4.91227% outside of 0.250% tolerance.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 10/XX/2016).<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2016). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower. | SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Based on lender guides, the qualifying method is 10/1 IO ARM – The qualifying rate is the greater of the note rate plus 2% or the fully-indexed rate. The qualifying payment is the payment based on the qualifying rate amortized over 30 years (the number of years remaining after the interest-only period ends). This calculation is causing the DTI discrepancy. In addition, the 2nd mortgage documentation is missing. The 1008 reflects the 2nd mortgage was closed at $XXX.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): No documentation was provided in trailing docs to clear this condition.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Based on lender guides, the qualifying method is 10/1 IO ARM – The qualifying rate is the greater of the note rate plus 2% or the fully-indexed rate. The qualifying payment is the payment based on the qualifying rate amortized over 30 years (the number of years remaining after the interest-only period ends). This calculation is causing the DTI discrepancy.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): No documentation was provided in trailing docs to clear this condition.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): 1008 dated 10/XX/16 indicates a counter was accepted lowering 2nd TD and final DTI under 44%. 1008 DTI 43.141% using income of $XXX PITIA of $XXX and other debts of $XXX<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Based on lender guides, the qualifying method is 10/1 IO ARM – The qualifying rate is the greater of the note rate plus 2% or the fully-indexed rate. The qualifying payment is the payment based on the qualifying rate amortized over 30 years (the number of years remaining after the interest-only period ends). This calculation is causing the DTI discrepancy.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): No documentation was provided in trailing docs to clear this condition.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): Fed HPML Provision was effective Feb 2021, loan closed prior<br> REVIEWER - GENERAL COMMENT (2023/XX/21): HPML requirements were added under Section 35 of TILA and applicable to closed-end loans secured by principal dwelliong for applications taken on or after October 1, 2009. Loan was originations after this date and exception is valid. The requirement for establishment of escrow account was a requirements of the implementation of the HPML regulation.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): No documentation was provided in trailing docs to clear this condition.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/25): No supporting trailing documentation was provided to clear this exception. Exception remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): Compliance Eagle uploaded 4/XX/23 at 8:14am under Misc reflects a passing High Cost test (dated 10-XX at XXX am). All closing docs reference final APR 4.025%<br> REVIEWER - GENERAL COMMENT (2023/XX/21): File contains no compliance report to determine lenders APR calculations. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Provided Compliance Eagle report to support passing High Cost test. Closing docs support final APR 4.025%<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - CURED COMMENT (2023/XX/23): Sufficient Cure Provided within 60 Days of Closing | GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): 1008 dated 10/XX/16 indicates a counter was accepted lowering 2nd TD and final DTI under 44%. 1008 DTI 43.141% using income of $XXX PITIA of $XXX and other debts of $XXX<br>GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): Compliance Eagle uploaded 4/XX/23 at 8:14am under Misc reflects a passing High Cost test (dated 10-XX at XXX am). All closing docs reference final APR 4.025%<br>GENERAL COMMENT (2023/XX/18): Fed HPML Provision was effective Feb 2021, loan closed prior<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br>GENERAL COMMENT (2023/XX/25): Provided Compliance Eagle report to support passing High Cost test. Closing docs support final APR 4.025%<br>GENERAL COMMENT (2023/XX/25): Agree with error |  |  | TILA ATR/QM |
| 6452449634 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 6/XX/2016 | 3/XX/2016 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 57.77389% exceeds Guideline total debt ratio of 45.00000%.<br> [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%. | Qualifying total debt ratio of 57.77389% exceeds Guideline total debt ratio of 45.00000%<br> loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2016) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. |  |  |  |  | - |
| 6452451013 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2014 | 10/XX/2014 | Investment | Refinance Rate/Term | N/A | 2<br> B |  |  |  |  |  | [3] Credit Documentation - Missing Document: Occupancy Certificate not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2014)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2014)<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. |  |  |  |  | - |
| 6452451059 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 1/XX/2016 | 12/XX/2015 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  | [3] General - Initial Rate Lock rate date is not documented in file. | Initial Rate Lock rate document is missing. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2016) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  |  | - |
| 6452449945 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2016 | 2/XX/2016 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [3] Guideline Issue - Aged document: Asset Account date is more than 90 days prior to Closing.: Financial Institution: XXX // Account Type: Stocks / Account Number: XXX, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: XXX, Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: XXX, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: xxxx, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: XXX, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: XXX, Financial Institution: XXX // Account Type: Mutual Funds / Account Number: XXX | All bank statements exceed the 90 day age of document limit. Please provide an updated consecutive bank statement for all accounts. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2016)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2016)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 04/XX/2016 disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (Final/04/XX/2016)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2016) | Federal Compliance - CHARM Booklet Disclosure Status: Disclosure is not in file.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of appraisal delivery 3 days prior to closing is not in file.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of appraisal delivery 3 days prior to closing is not in file.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Signed Initial 1003 is not in file.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: Adjustable Interest Rate Table: Final Closing Disclosure provided on 04/XX/2016 disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Evidence of receipt of Initial Closing Disclosure 3 days prior to closing is not in file. |  |  |  |  | - |
| 6452450488 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 11/XX/2020 | 10/XX/2020 | Primary | Refinance Rate/Term | Safe Harbor QM | 1<br> A |  |  |  |  |  | [2] Credit Eligibility - There are red flags on the fraud report that have not been addressed: Credit Report: Original // Borrower: XXX | The Fraud Report Cleared section are left blank and not cleared. | REVIEWER - WAIVED COMMENT (2025/XX/19): The Fraud Report Cleared section are left blank and not cleared. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | - |
| 6452449610 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2020 | 11/XX/2020 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 64.44543% exceeds Guideline total debt ratio of 43.00000%.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, Chicago, IL HOA Verification | The REO XXX Pending Sale at origination. The loan file does not contain the Final Closing statement to exclude the monthly payment from the debt-to-income.<br> HOA verification is missing for the property REO at XXX. | REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive without compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive without compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14556473) | Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: The loan file does not contain a written verification of employment to verify the start and end date for WM Wrigley previous employment. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX. |  | - |
| 6452450434 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MI | 4/XX/2021 | 3/XX/2021 | Primary | Purchase | Safe Harbor QM (43-Q) | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Guideline Issue - This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing: Employer Letter, Paystub, Account Statement within 10 days before note date or prior to disbursement date.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2017 Note Date: 04/XX/2021<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2017 | Provided verification of employment dated after the note date. require valid verification of employment.<br> Provided verification of employment dated after the note date. require valid verification of employment.<br> Waterfall due to verification of employment dated after the note date. | REVIEWER - WAIVED COMMENT (2025/XX/06): comp factors used to waive exception<br> REVIEWER - WAIVED COMMENT (2025/XX/22): Client elects to waive without compensating factors<br> REVIEWER - RE-GRADED COMMENT (2025/XX/23): EV2<br> REVIEWER - WAIVED COMMENT (2025/XX/22): Client elects to waive without compensating factors<br> REVIEWER - RE-GRADED COMMENT (2025/XX/23): EV2<br> REVIEWER - WAIVED COMMENT (2025/XX/22): Client elects to waive without compensating factors<br> REVIEWER - RE-GRADED COMMENT (2025/XX/23): EV2 |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (43-Q) matches the Due Diligence Loan Designation of Safe Harbor QM (43-Q).<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2021)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 04/XX/2021 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (Final/04/XX/2021) | Federal Compliance - Check Restated Loan Designation Match - QM / ATR: Loan meets SHQM 43Q requirements.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence that borrower received a copy of appraisal 3 business days to closing.<br> Federal Compliance - (Missing Data) Last Rate Set Date: Initial Rate Lock not provided in file.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: Projected payment principal and interest does not match, stream payments P&I amount of $XXX which does not match with the monthly P&I $XXX. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449406 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 4/XX/2021 | 2/XX/2021 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [2] Miscellaneous - Credit Exception:<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | Lender Exception: Non warrantable condo.<br> e-sign consent is missing | REVIEWER - WAIVED COMMENT (2025/XX/14): Comp actors used to waive exception<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Comp actors used to waive exception |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450017 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2021 | 8/XX/2021 | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | E-sign Consent Agreement is missing.<br> Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/09/XX/2021) | Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450132 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 10/XX/2019 | 9/XX/2019 | Primary | Purchase | Safe Harbor QM | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Credit Report Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. | REVIEWER - CURED COMMENT (2024/XX/09): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450428 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 11/XX/2019 | 9/XX/2019 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Combined High loan to value discrepancy.: Calculated high loan to value percentage of 95.00000% exceeds Guideline high loan to value percentage of 90.00000%<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 95.00000% exceeds Guideline loan to value percentage of 90.00000%. | Calculated Loan To Value percentage of 95.00000% exceeds Guideline high loan to value percentage of 90.00000%<br> Calculated high loan to value percentage of 95.00000% exceeds Guideline high loan to value percentage of 90.00000%<br> Calculated loan to value percentage of 95.00000% exceeds Guideline loan to value percentage of 90.00000%. | REVIEWER - WAIVED COMMENT (2025/XX/19): Client elects to waive with compensating factor.<br> REVIEWER - WAIVED COMMENT (2025/XX/19): Client elects to waive with compensating factor.<br> REVIEWER - WAIVED COMMENT (2025/XX/19): Client elects to waive with compensating factor. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:16125/09/XX/2019) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation (Report Date 09/XX/2019) to applicant three (3) business days prior to consummation. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449313 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 10/XX/2019 | 9/XX/2019 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/10/XX/2019) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial CD is not provided in file only final Closing Disclosure provided, We need closing Disclosure before 6 days from closing | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450832 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 11/XX/2019 | 10/XX/2019 | Primary | Refinance Rate/Term | Safe Harbor QM | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - CURED COMMENT (2024/XX/06): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450202 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | OH | 11/XX/2019 | 10/XX/2019 | Primary | Refinance Rate/Term | Safe Harbor QM | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452451082 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2019 | 10/XX/2019 | Primary | Refinance Cash-out - Home Improvement | Non QM | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450456 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2019 | 11/XX/2019 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452451142 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 1/XX/2020 | 11/XX/2019 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449697 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2020 | 4/XX/2020 | Investment | Refinance Rate/Term | N/A | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2020) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449550 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2020 | 4/XX/2020 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  | [2] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 43.29443% exceeds AUS total debt ratio of 27.45000%.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, IL, Address: XXX, IL, Address: XXX, IL, Address: XXX, WI Statement<br> Statement<br> Statement<br> Statement | Failure due to proof of payment of omitted debts is missing in file.<br> Failure due to proof of payment of omitted debts is missing in file.<br> Mortgage Statement is missing in file. | REVIEWER - WAIVED COMMENT (2025/XX/19): Client elects to waive with compensating factor.<br> REVIEWER - WAIVED COMMENT (2025/XX/19): Client elects to waive with compensating factor.<br> REVIEWER - WAIVED COMMENT (2025/XX/19): Client elects to waive with compensating factor. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The representative FICO score is above 680. |  | - |
| 6452450514 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 11/XX/2020 | 10/XX/2020 | Primary | Purchase | Non QM | 2<br> B<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B<br> A | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee on closing disclosure is $XXX and on loan estimate $XXX. No Valid Change circumstance in file. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/18): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450781 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 11/XX/2020 | 10/XX/2020 | Primary | Purchase | Safe Harbor QM | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450018 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 2/XX/2021 | 10/XX/2020 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2646172)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2646171)<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2646172)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2646171)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2646172)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2646171)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2646170)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2646169) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal delivery receipt is missing.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on 02/XX/2021 disclosed a Subsequent Changes period that does not match the actual terms for the loan<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Non-Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing | GENERAL COMMENT (2025/XX/02): Trailing documents provided |  |  | - |
| 6452450280 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2020 | 11/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2020) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification of appraisal was delivered to borrower not provided in file. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450960 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 1/XX/2021 | 11/XX/2020 | Primary | Refinance Rate/Term | Safe Harbor QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2021, prior to three (3) business days from transaction date of 1/XX/2021 12:00:00 AM.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: ROR was signed by borrower on 01/XX/2021, Final Closing disclosure issue on 01/XX/2021 and Signed on 01/XX/2021.<br> Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: ROR was signed by borrower on 01/XX/2021, Final Closing disclosure issue on 01/XX/2021 and Signed on 01/XX/2021. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449991 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 1/XX/2021 | 12/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] General - Loans with an application date after 10/XX/2020 using a LIBOR Index are not Agency Salable.: Index: LIBOR - 1 Year (Daily); Note Date: 01/XX/2021<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2020 | Index: LIBOR - 1 Year (Daily); Note Date: 01/XX/2021<br> Verification(s) of employment is not within 10 business days of the Note. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive without compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 02/XX/2021). (Final/01/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 02/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/01/XX/2021) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 02/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449772 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 2/XX/2021 | 1/XX/2021 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  | [2] General - Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.<br> [2] Application / Processing - Missing Document: Approval not provided<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 12/XX/2018 | Approval missing in file | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive without compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive without compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/02/XX/2021)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change minimum, maximum, and payment period that does not match the actual terms for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed an inaccurate Interest Only Payments Period. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Loan Term: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 02/XX/2021 disclosed a Loan Term that does not match the actual loan term for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2672845)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2672844)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2672847)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2672846)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2672845)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2672844) | Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency: Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Test: Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan<br> Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment Period: Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Adjustable Payment Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan<br> Federal Compliance - TRID Final Closing Disclosure Loan Term: General Information: Final Closing Disclosure provided on 02/XX/2021 disclosed a Loan Term that does not match the actual loan term for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2021 disclosed a First Change frequency that does not match the actual first change frequency for the loan<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest: Final Closing Disclosure provided on 02/XX/2021 disclosed a Principal and Interest Payment that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2025/XX/03): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025/XX/03): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025/XX/03): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025/XX/03): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - |
| 6452450696 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 3/XX/2021 | 1/XX/2021 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 85.88083% exceeds Guideline loan to value percentage of 85.00000%. | Calculated loan to value percentage of 85.88083% exceeds Guideline loan to value percentage of 85.00000%. | REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive without compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 03/XX/2021 did not disclose an accurate Index as reflected on the Note. (Final/03/XX/2021)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2652731)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2652730)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2652729)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2652728) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower.<br> Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet Disclosure Status is missing in loan file<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on 03/XX/2021 did not disclose an accurate Index as reflected on the Note.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450634 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 7/XX/2021 | 5/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 07/XX/2021 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (Final/07/XX/2021)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (75103) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Receipt of Appraisal is missing.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Final Closing Disclosure provided on 07/XX/2021 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Re-Inspection Fee increased from $XXX to $XXX without a valid Changed Circumstance form in file. A cure of $XXX was provided. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2025/XX/03): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450810 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 4/XX/2021 | 3/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Income Documentation - Income Docs Missing:: Borrower: XXX Gap Letter | The loan file is missing the employment gap letter for the co-borrower for dates 11/XX/2020 thru 1/XX/2021. | REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive with comp factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/04/XX/2021)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2652792)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2652791)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2652790)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2652789)<br> [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2652789) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Projected Payments section (pg 1): Mortgage Insurance (paystream referenced in reg) is blank or does not match the MI Monthly Premium on the Insurance/Compliance Input screen. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - |
| 6452450184 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 7/XX/2021 | 4/XX/2021 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [2] General - Missing Document: COVID-19 Attestation not provided |  | REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive with comp factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/05/XX/2021) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450113 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 6/XX/2021 | 5/XX/2021 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 06/XX/2021 incorrectly disclosed the First Change period according to the disclosed Loan Product. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 06/XX/2021 incorrectly disclosed whether the loan contains Interest Only Payments. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 06/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 06/XX/2021). (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2647116)<br> [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2647115)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment did not disclose the frequency of adjustments. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 06/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/06/XX/2021)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2647116)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2647115)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2647114)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2647113) | Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450118 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 6/XX/2021 | 5/XX/2021 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2021)<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower's ability to repay not verified with reliable documentation.<br> [2] State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor.<br> [1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Sufficient or excess cure was provided to the borrower at Closing. (9300)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of appraisal receipt not provided.<br> State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified): Waterfall due to QM Points and Fees exception.<br> State Compliance - Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement): Waterfall due to QM Points and Fees exception.<br> Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Sufficient or excess cure was provided to the borrower at Closing.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2025/XX/03): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025/XX/03): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2025/XX/03): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449994 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MI | 10/XX/2021 | 5/XX/2021 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of $XXX is greater than Guideline maximum loan amount of $XXX.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, IL HOA Verification | Note loan amount of $XXX is greater than Guideline maximum loan amount of $XXX.<br> Missing HOA verification for property located at XXX, IL. | REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive with comp factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive with comp factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2021)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 10/XX/2021 did not disclose an accurate Index as reflected on the Note. (Final/10/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2655026)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2655025)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2655024)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/2655023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 10/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/10/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 10/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/10/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 10/XX/2021 are overdisclosed. (Final/10/XX/2021)<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 05/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XX/20/2021)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2655023)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower. (75130) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on 10/XX/2021 did not disclose an accurate Index as reflected on the Note.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan...Due to year one (1) is an interest only payment.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan...Due to year one (1) is an interest only payment.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. ..Due to year one (1) is an interest only payment.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test: : Final Closing Disclosure provided on 10/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan...Due to year one (1) is an interest only payment.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on 10/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan...Due to year one (1) is an interest only payment.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 10/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. ..Due to year one (1) is an interest only payment.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 10/XX/2021 are over disclosed.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 05/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/31): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/31): Sufficient Cure Provided within 60 Days of Closing |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449647 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MI | 7/XX/2021 | 5/XX/2021 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> State Compliance - Michigan CMPA Home Loan Toolkit Status: Missing a copy of the booklet or borrowers' acknowledgment of receipt of disclosure. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450936 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 7/XX/2021 | 5/XX/2021 | Primary | Purchase | Safe Harbor QM (43-Q) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449905 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 9/XX/2021 | 6/XX/2021 | Primary | Purchase | Safe Harbor QM (43-Q) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (75130) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Lender Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2025/XX/03): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449457 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 8/XX/2021 | 6/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: Initial escrow account statement does not match charges on post Closing Disclosure. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450540 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 8/XX/2021 | 7/XX/2021 | Primary | Purchase | Safe Harbor QM (43-Q) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  | REVIEWER - CURED COMMENT (2024/XX/26): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449770 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 9/XX/2021 | 7/XX/2021 | Primary | Purchase | Safe Harbor QM (APOR) | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 92.00000% exceeds Guideline combined loan to value percentage of 90.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 92.00000% exceeds Guideline loan to value percentage of 90.00000%. | Calculated combined loan to value percentage of 92.00000% exceeds Guideline combined loan to value percentage of 90.00000%.<br> Calculated loan to value percentage of 92.00000% exceeds Guideline loan to value percentage of 90.00000%. | REVIEWER - WAIVED COMMENT (2025/XX/17): Client elects to waive with comp factor.<br> REVIEWER - WAIVED COMMENT (2025/XX/17): Client elects to waive with comp factors |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450729 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 1/XX/2022 | 8/XX/2021 | Primary | Refinance Cash-out - Home Improvement | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 01/XX/2022 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed. (Final/01/XX/2022)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 01/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2654032) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification final Appraisal report was delivered to borrower at least 3 business days prior to closing was not provided.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Final Closing Disclosure provided on 01/XX/2022 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Final Closing Disclosure provided on 01/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> SELLER - GENERAL COMMENT (2025/XX/16): Interest only term on CD is for 12 months. Addendum to Mortgage Note also indicates interest only during construction phase of 12 months. Last payment for interest only will be different than last payment for entire loan as interest only period is only for 12 months. First payment of interest only will be due 3/XX/2022 and first payment of interest+principal will be 3/XX/2023 which aligns with note.<br>As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month<br> REVIEWER - GENERAL COMMENT (2025/XX/17): SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/19): Sufficient Cure Provided At Closing | GENERAL COMMENT (2025/XX/10): Loan structure is 5/2/5 - the rate for the minimum payment for year 8 is 2.75% (margin), equating to a payment of $XXX (rounded to the nearest dollar). The rate for max payment for the first year after the fixed period ends is initial rate + 5%. For this loan, the maximum rate in year 8 (ie payment stream 3) is 10,076%, equating to a payment of $XXX (rounded to nearest dollar for Closing Disclosure). Min and Max payments are accurate. Each scheduled rate adjustment is to have a separate column. Next scheduled adjustment is in payment stream 4. Since max has already reached, no changes to occur in min and max payments. See attached worst-case amortization schedule.<br>GENERAL COMMENT (2025/XX/10): Loan structure is 5/2/5 - the rate for the minimum payment for year 8 is 2.75% (margin), equating to a payment of $XXX (rounded to the nearest dollar). The rate for max payment for the first year after the fixed period ends is initial rate + 5%. For this loan, the maximum rate in year 8 (ie payment stream 3) is 10,076%, equating to a payment of $XXX (rounded to nearest dollar for Closing Disclosure). Min and Max payments are accurate. See attached worst-case amortization schedule.<br>GENERAL COMMENT (2025/XX/10): Loan structure is 5/2/5 - the rate for the minimum payment for year 8 is 2.75% (margin), equating to a payment of $XXX (rounded to the nearest dollar). The rate for max payment for the first year after the fixed period ends is initial rate + 5%. For this loan, the maximum rate in year 8 (ie payment stream 3) is 10,076%, equating to a payment of $XXX (rounded to nearest dollar for Closing Disclosure). Min and Max payments are accurate. See attached worst-case amortization schedule.<br>GENERAL COMMENT (2025/XX/16): Final CD dated 1/XX/22 and signed on 1/XX/22 indicates that there is no balloon payment. This is the correct information.<br>GENERAL COMMENT (2025/XX/16): Interest only term on CD is for 12 months. Addendum to Mortgage Note also indicates interest only during construction phase of 12 months. Last payment for interest only will be different than last payment for entire loan as interest only period is only for 12 months. First payment of interest only will be due 3/XX/2022 and first payment of interest+principal will be 3/XX/2023 which aligns with note.<br>As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month |  |  | - |
| 6452449698 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 6/XX/2022 | 11/XX/2021 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  | [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 10/XX/2006 | A letter from borrower's employer dated 6/XX/2022 was provided and within 10 business days of the Note date of 6/XX/2022 | REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/06/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/06/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2022 are overdisclosed. (Final/06/XX/2022)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8603)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2654140) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2022 did not disclose an accurate Index as reflected on the Note.. Due to year one (1) is an interest only payment.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan...Due to year one (1) is an interest only payment.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2022 are over disclosed<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Projected Payments: Final Closing Disclosure provided on 06/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan... Due to year one (1) is an interest only payment. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/19): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449997 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 11/XX/2022 | 12/XX/2021 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 11/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/11/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 11/XX/2022 are overdisclosed. (Final/11/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 11/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/11/XX/2022)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deferral Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7348)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2654092) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Copy of appraisal is required to be delivered to borrower within 3 business days prior to closing.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Information is not available.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: MI is under disclosed on page 4 of the final closing disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: As per the final closing disclosure its 12 months interest only.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is missing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is missing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is missing.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Information is updated as per the document in file. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> SELLER - GENERAL COMMENT (2024/XX/30): Per Exception Information , construction loan product with first year being interest only. Remaining yearts contain interest. Projected payments indicates first year as interest only and remaining years with interest included, Monthly Principal & Interest indicates only interest through month 12 as does AP table.<br> REVIEWER - GENERAL COMMENT (2024/XX/31): Final CD reflects page 1 Loan Terms - monthly principal & interest that "Includes only interest and no principal until mo. 12", however, the promissory note and const loan allonge reflect that the interest only period is for full 12 months and would be "until" mo 13". Corrected CD and LOE to borrower.<br> SELLER - GENERAL COMMENT (2025/XX/16): As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month<br> REVIEWER - GENERAL COMMENT (2025/XX/17): SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing | GENERAL COMMENT (2024/XX/30): Per Exception Information , construction loan product with first year being interest only. Remaining yearts contain interest. Projected payments indicates first year as interest only and remaining years with interest included, Monthly Principal & Interest indicates only interest through month 12 as does AP table.<br>GENERAL COMMENT (2025/XX/16): As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month |  |  | - |
| 6452450476 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 6/XX/2022 | 1/XX/2022 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, MO Tax Verification |  | REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/06/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2022 are overdisclosed. (Final/06/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2654381)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2654380)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/06/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 06/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/06/XX/2022)<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 01/XX/2022 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/01/XX/2022)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2654378) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: DTI exceeds threshold.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Escrowed property cost over year 1 disclosed as $XXX on the final closing disclosure. However, calculated at $XXX. Monthly taxes 1062.50 and Insurance $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 06/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 06/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 06/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: CD disclosed $XXX TOP.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Disclosures were sent to borrower prior to obtain consent for electronic disclosure from borrower. Lender to provide proof of consent within initial 3 days of application OR proof of disclosure sent to borrower using another method within 3 days of application. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450282 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 5/XX/2022 | 3/XX/2022 | Primary | Refinance Limited Cash-out GSE | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/05/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2022 are overdisclosed. (Final/05/XX/2022)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2654099) | Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Interest Only until term and/or frequency is blank or does not match the terms of the note. " | SELLER - GENERAL COMMENT (2025/XX/16): Interest only term on CD is for 12 months. Addendum to Mortgage Note also indicates interest only during construction phase of 12 months. Last payment for interest only will be different than last payment for entire loan as interest only period is only for 12 months. First payment of interest only will be due 6/XX/2022 and first payment of interest+principal will be 6/XX/2023 which aligns with note.<br>As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month<br> REVIEWER - GENERAL COMMENT (2025/XX/17): SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/30): Sufficient Cure Provided At Closing | GENERAL COMMENT (2025/XX/16): Interest only term on CD is for 12 months. Addendum to Mortgage Note also indicates interest only during construction phase of 12 months. Last payment for interest only will be different than last payment for entire loan as interest only period is only for 12 months. First payment of interest only will be due 6/XX/2022 and first payment of interest+principal will be 6/XX/2023 which aligns with note.<br>As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month |  |  | - |
| 6452449116 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 9/XX/2022 | 6/XX/2022 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Mortgage / Program Eligibility - Guideline Requirement: Amortization term discrepancy.: Note amortization term of 348 does not match Guideline amortization term of 360.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Maximum Loan Amount discrepancy.: Note loan amount of $XXX is greater than Guideline maximum loan amount of $XXX.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Term discrepancy.: Note term of 348 does not match Guideline term of 360.<br> [2] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided<br> [2] Credit Documentation - Purchase contract date not provided. |  | REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade.<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade.<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade.<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade.<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 09/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/09/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2022 incorrectly disclosed the First Change period according to the disclosed Loan Product. (Final/09/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/09/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2022 are overdisclosed. (Final/09/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2654569)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2654568)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/09/XX/2022) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on 09/XX/2022 did not disclose an accurate Index as reflected on the Note<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2022 incorrectly disclosed the First Change period according to the disclosed Loan Product.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - |
| 6452450746 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 10/XX/2022 | 9/XX/2022 | Primary | Purchase | Safe Harbor QM (APOR) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449152 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 10/XX/2022 | 9/XX/2022 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449573 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 11/XX/2022 | 10/XX/2022 | Second Home | Purchase | Safe Harbor QM (APOR) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450467 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 1/XX/2017 | 10/XX/2016 | Second Home | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Application / Processing - Missing Document: AUS not provided | File is missing final AUS; final 1008 showing AUS approved was used for review.<br> File is missing final AUS; final 1008 showing AUS approved was used for review. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2017 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 01/XX/2017). (Final/01/XX/2017)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2017 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2017). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold. (Final/01/XX/2017)<br> [2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 01/XX/2017 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Disclosed Finance Charges are $XXX. Due Diligence Finance Charges are $XXX. There is a variance of $XXX,<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure outlays a total payment of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%. |  | - |
| 6452451213 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 2/XX/2017 | 12/XX/2016 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 61.88750% exceeds AUS total debt ratio of 30.00000%.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 61.88750% exceeds Guideline total debt ratio of 50.00000%.<br> [2] Income Documentation - Income documentation requirements not met. | Borrower is a partner and earns K1 partnership income. It is not allowable to be a partner and also be an employee. Lender used wage income instead of the partnership income to qualify. Using just the partnership income brings the DTI to 61.89% and out of tolerance.<br> Borrower is a partner and earns K1 partnership income. It is not allowable to be a partner and also be an employee. Lender used wage income instead of the partnership income to qualify. Using just the partnership income brings the DTI to 61.89% and out of tolerance.<br> Failure due to discrepancy in lender calculated income compared to our calculation of income. Various businesses provided as all been considered as partnership and they cannot pay themselves with a w-2 from the partnership but only pay employees so w-2 income have all been excluded. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor .<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - |
| 6452449761 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 3/XX/2017 | 3/XX/2017 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2017)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - ARM Disclosure Status Test: The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $XXX. No valid COC provided, cure provided at closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449425 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 4/XX/2017 | 3/XX/2017 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 46.79398% exceeds AUS total debt ratio of 44.00000%.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA HOA Verification | Calculated income is $XXX less than AUS income and primary housing expense is $XXX higher than AUS.<br> HOA Verification missing on file | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): .Client elects to waive with compensating factor. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - |
| 6452449893 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2017 | 9/XX/2017 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2017) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Appraisal Delivery dated 9/XX/2017. Latest Appraisal documented is dated 10/XX/2017. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449158 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2017 | 10/XX/2017 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450262 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 8/XX/2018 | 6/XX/2018 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/08/XX/2018) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Appraisal Delivery dated 7/XX/2018. Latest Appraisal documented is dated 8/XX/2018. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452449344 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 9/XX/2020 | 7/XX/2020 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Federal Compliance - ARM Disclosure Status Test: The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450920 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 11/XX/2019 | 9/XX/2019 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  | [2] Guideline Issue - Borrower has been on current job less than 2 years, and prior employment history was not documented as required.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2019<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of 632 is less than Guideline representative FICO score of 680. | Borrower's prior employment with XXX was verified with a borrower attestation email. However, a 2 year employment history has still not been verified. The borrower stated a prior employment as a XXX but only listed the end date. File is missing the XXX college transcripts and/or diploma to verify the start and ending dates. Exception remains.<br> Lender exception in file for FICO lower than guideline minimum. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - ARM Disclosure Status Test: Evidence of ARM loan program disclosure not in file.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - |
| 6452450318 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 4/XX/2020 | 1/XX/2020 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450021 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2020 | 6/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Asset Calculation / Analysis - Guideline Requirement: Available for Reserves discrepancy.: Calculated Available for Reserves of $XXX is less than Guideline Available for Reserves of $XXX.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA HOA Verification | The file is missing the HOA dues documentation for this property. Please provide for review. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452451095 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 5/XX/2020 | 3/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449197 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 5/XX/2020 | 3/XX/2020 | Primary | Refinance Cash-out - Other | Safe Harbor QM | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452450133 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 4/XX/2020 | 3/XX/2020 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2020) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450537 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2020 | 6/XX/2020 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449146 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 5/XX/2020 | 4/XX/2020 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement: E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2020 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 05/XX/2020). (Final/05/XX/2020)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2020 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 05/XX/2020). (Final/05/XX/2020) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX .<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450506 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 8/XX/2020 | 6/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/2009 | Verbal verification of employment within 10 business days of the Note is missing from file.<br> Verbal verification of employment within 10 business days of the Note is missing from file. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449273 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 3/XX/2021 | 6/XX/2020 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] General - Missing Document: COVID-19 Attestation not provided | COVID-19 Attestation missing on file | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449579 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 8/XX/2020 | 6/XX/2020 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452451044 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 9/XX/2020 | 7/XX/2020 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of 675 is less than Guideline representative FICO score of 680. | Guideline Requirement: Representative FICO score discrepancy. | SELLER - GENERAL COMMENT (2025/XX/02): Lates are from 2014 and 2015. Exception granted for credit due to strong payment history with XXX (greater then one year of onetime payments), and Low LTV<br> REVIEWER - GENERAL COMMENT (2025/XX/03): Lender Exception document is required for FICO score discrepancy. Exception Remains.<br> REVIEWER - WAIVED COMMENT (2025/XX/15): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2020)<br> [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing | GENERAL COMMENT (2025/XX/02): Lates are from 2014 and 2015. Exception granted for credit due to strong payment history with XXX (greater then one year of onetime payments), and Low LTV | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452449175 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 9/XX/2020 | 7/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449687 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 12/XX/2020 | 10/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Insurance Verification, Tax Verification |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449082 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2020 | 8/XX/2020 | Investment | Refinance Rate/Term | N/A | 2<br> B |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Insurance Verification, Tax Verification | Require hazard insurance policy and tax certificate for primary property. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2020) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence of appraisal being sent to borrower 3 days prior to closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450224 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2020 | 9/XX/2020 | Second Home | Purchase | Safe Harbor QM | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | The file is missing copy of E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449547 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 11/XX/2020 | 9/XX/2020 | Primary | Refinance Rate/Term | Non QM | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is missing in this file. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | - |
| 6452449836 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2020 | 10/XX/2020 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2020) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of receipt of appraisal 3 days prior to closing is not in file. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449416 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 11/XX/2020 | 9/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 2.79 is less than Guideline PITIA months reserves of 6.00.<br> [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of 657 is less than Guideline representative FICO score of 680.<br> [2] Income Documentation - Income Docs Missing:: Borrower: XXX WVOE - Includes Income<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided | Calculated PITIA months reserves of 2.79 is less than Guideline PITIA months reserves of 6.00.<br> The FICO score is below required guideline of 680.<br> B1 has been on the current job less than 2 years and the file is missing verification of prior employment.<br> B2 is missing verification of the employment with XXX, to verify 2 years history. B1 has been employed with current employer less than 2 years, and is missing previous employment verification. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50%<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50%<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50%<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50%<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50%<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to down grade and waive using compensating factors<br> DTI is 20% vs the max of 50% |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 10/XX/2020 not received by borrower at least four (4) business days prior to closing. (Interim/10/XX/2020) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: B2 is missing verification of the employment with XXX, to verify 2 years history. B1 has been employed with current employer less than 2 years, and is missing previous employment verification.<br> Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Revised Loan Estimate provided on 10/XX/2020 not received by borrower at least four (4) business days prior to closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452450864 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 12/XX/2020 | 10/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 21.96 is less than Guideline PITIA months reserves of 30.00.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, NH Insurance Verification, Tax Verification<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, RI Insurance Verification, Statement, Tax Verification | Documented assets are less than required per guidelines. Lender exception in file.<br> Insurance Verification, Tax Verification for REO property " XXX, NH" are missing from the file.<br> Insurance Verification, Statement, Tax Verification for REO property "XXX, RI" are missing from the file. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449809 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 12/XX/2020 | 11/XX/2020 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  | [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/1996<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/1996 | verification of employment not provided in file.<br> verification of employment not provided in file. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2020) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Proof of appraisal delivery not provided to borrower within 3 business days of note date. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450627 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 2/XX/2021 | 11/XX/2020 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450406 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 2/XX/2021 | 12/XX/2020 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 60.26316% exceeds Guideline combined loan to value percentage of 55.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 60.26316% exceeds Guideline loan to value percentage of 55.00000%. | Calculated combined loan to value percentage of 60.26316% exceeds Guideline combined loan to value percentage of 55.00000%.<br> Calculated loan to value percentage of 60.26316% exceeds Guideline loan to value percentage of 55.00000%. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449160 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 12/XX/2020 | 11/XX/2020 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXX // Account Type: Checking / Account Number: XXX<br> [2] Asset Calculation / Analysis - Guideline Requirement: Available for Reserves discrepancy.: Calculated Available for Reserves of $XXX is less than Guideline Available for Reserves of $XXX.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 78.08989% exceeds Guideline combined loan to value percentage of 75.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 78.08989% exceeds Guideline loan to value percentage of 75.00000%.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Insurance Verification, Statement, Tax Verification | 2 months seasoning required.<br> Provide an additional 30 days of assets. Guidelines require 2 months of statements to verify assets used for closing and/or reserves.<br> 12 months required for each investment property per guidelines.<br> Calculated combined loan to value percentage of 78.08989% exceeds Guideline combined loan to value percentage of 75.00000%.<br> Calculated loan to value percentage of 78.08989% exceeds Guideline loan to value percentage of 75.00000%.<br> Insurance Verification, Statement, Tax Verification missing for Address: XXX, MA | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450967 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 2/XX/2021 | 12/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Waterfall due to Co-Borrower using wages and asset depletion funds. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450258 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 2/XX/2021 | 1/XX/2021 | Primary | Purchase | Non QM | 2<br> B<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Closing / Title - Missing Document: Rider - Other not provided | Other Rider not provided | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 2<br> B<br> A | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452450116 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 5/XX/2021 | 4/XX/2021 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2021) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450040 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 2/XX/2021 | 12/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 65.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%. | Calculated CLTV percentage of 75.00000% exceeds Guideline CLTV percentage of 70.00000%.<br> Calculated LTV percentage of 75.00000% exceeds Guideline LTV percentage of 70.00000%. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has verified disposable income of at least $XXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449339 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 2/XX/2021 | 12/XX/2020 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  | [2] Insufficient Coverage - The Hazard Insurance Policy Effective Date is after closing.: Hazard Insurance Policy Effective Date 03/XX/2021, Disbursement Date: 02/XX/2021 |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452451122 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 3/XX/2021 | 1/XX/2021 | Primary | Refinance Cash-out - Home Improvement | Non QM | 2<br> B<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B<br> A | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan Designation restated to Non-QM per client request. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452451078 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 4/XX/2021 | 1/XX/2021 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 04/XX/2021, prior to three (3) business days from transaction date of 4/XX/2021 12:00:00 AM.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/XX/2021 disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/04/XX/2021)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not in file.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Credit report fee increased without a valid change of circumstance. Cure provided at closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2025/XX/01): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449094 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 4/XX/2021 | 1/XX/2021 | Primary | Refinance Rate/Term | Safe Harbor QM | 2<br> B |  |  |  |  |  | [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 06/XX/2012<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 07/XX/2019 |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14716685)<br> [2] Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan allows for Partial Payments. (Final/04/XX/2021)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/XX/2021) | Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Loan Designation discrepancy due to lender using schooling towards 2 years of employment history. Lender exception in file.<br> Federal Compliance - TRID Final Closing Disclosure Partial Payments: Final Closing Disclosure dated 4/XX/2024 states both that lender may hold partial payments in a separate account, and that lender does not accept any partial payments.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449355 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 4/XX/2021 | 3/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in file. | REVIEWER - WAIVED COMMENT (2025/XX/14): Comp actors used to waive exception |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TRID Final Closing Disclosure Negative Amortization: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan contains Negative Amortization. (Final/04/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Partial Payments: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan allows for Partial Payments. (Final/04/XX/2021) | Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Note Rate is used as Qualification Method which does not match with the ATR payment calculation methods.<br> Federal Compliance - TRID Final Closing Disclosure Negative Amortization: Negative Amortization data is blank and does not match with the note terms.<br> Federal Compliance - TRID Final Closing Disclosure Partial Payments: Partial Payments data is blank and does not match with the note terms. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450369 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 6/XX/2021 | 5/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Comp actors used to waive exception |  |  |  |  |  |  |  |  | 2<br> B | [2] State Compliance - Massachusetts HPML Threshold Test Compliant: Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 3.07180% or final disclosure apr of XX.XX% is equal to or greater than the threshold of APOR 2.96% + 1.5%, or 4.46000% Compliant Higher Priced Loan. | State Compliance - Massachusetts HPML Threshold Test Compliant: APR on subject loan of 3.07180% or final disclosure apr of XX.XX% is equal to or greater than the threshold of APOR 2.96% + 1.5%, or 4.46000% | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450873 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 5/XX/2021 | 3/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Application / Processing - Missing Document: Approval not provided | Approval is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452451204 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 3/XX/2021 | 2/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, VT HOA Verification | E-sign Consent Agreement is missing.<br> Approval requires Home Owner's Association documents for second home. HOA documents are missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - ARM Disclosure Status Test: ARM Disclosure is missing.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Income/Expense method used for partnership income qualification. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |  | - |
| 6452449223 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 4/XX/2021 | 3/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449803 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 6/XX/2021 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  | [2] General - Missing Document: 1007 Rent Comparison Schedule not provided |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2021) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449142 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 8/XX/2021 | 6/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452451038 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 6/XX/2021 | 5/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] General - Missing Document: 1007 Rent Comparison Schedule not provided<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Insurance Verification, Tax Verification<br> [2] General - Valuation address does not match Note address.: Valuation Type: Appraisal / Valuation Report Date: 05/XX/2021 | Subject address is XXX, MA XXX. Valuation reflects XXX, MA XXX. Lender to provide corrected document reflecting subject address. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449826 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 5/XX/2021 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] Asset Calculation / Analysis - Guideline Requirement: Available for Reserves discrepancy.: Calculated Available for Reserves of $XXX is less than Guideline Available for Reserves of $XXX.<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 65.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%.<br> [2] Income Documentation - Income Docs Missing:: Borrower: XXX Third Party Verification<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Insurance Verification<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA, Address: XXX, MA Insurance Verification, Tax Verification<br> Insurance Verification, Lease Agreement, Statement, Tax Verification | Available for Reserves of $XXX is less than the Guidelines required $XXX.<br> Calculated Available for Reserves of $XXX is less than Guideline Available for Reserves of $XXX.<br> Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 65.00000%.<br> Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 65.00000%.<br> File is missing the required Third Party verification document for the Borrowers Self-Employed business XXX<br> File is missing the required Third Party verification document for the Borrowers Self-Employed business XXX<br> The file was missing the insurance verification for this property, please provide for review.<br> The file was missing the Insurance & Tax Verification for this property, please provide for review. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449028 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 5/XX/2021 | Investment | Refinance Cash-out - Other | N/A | 2<br> B |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, MA, Address: XXX, MA, Address: XXX, MA Lease Agreement<br> Insurance Verification<br> Insurance Verification, Tax Verification |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/06/XX/2021) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449723 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 6/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450169 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 6/XX/2021 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, Cambridge, MA HOA Verification | E-sign Consent Agreement is missing.<br> HOA is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 2<br> B<br> A | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: redesignated per client request | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449289 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 5/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Loan is waterfall due to the Qualification Method used by the lender does not match the ATR payment calculation methods | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449662 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 6/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, FL Insurance Verification, Tax Verification<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, FL Insurance Verification, Tax Verification<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 03/XX/2011<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 03/XX/2011 | The file is missing the taxes and insurance documentation for this property. Please provide for review.<br> The file is missing the taxes and insurance documentation for this property. Please provide for review.<br> Verification of employment is missing in file.<br> Verification of employment is missing in file. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449988 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 8/XX/2021 | 6/XX/2021 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 70.00000% exceeds Guideline combined loan to value percentage of 65.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Calculated combined loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. Investment cash out. Lender exception in file, Delayed financing, exception to use new value after new kitchen and bath plus other small cosmetic improvements paid for by borrower. 5% LTV exception to cash out to 70% LTV. Property exception due to slightly over 50% investor ownership.<br> Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. Investment cash out. Lender exception in file, Delayed financing, exception to use new value after new kitchen and bath plus other small cosmetic improvements paid for by borrower. 5% LTV exception to cash out to 70% LTV. Property exception due to slightly over 50% investor ownership. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449250 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 7/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Closing / Title - Title Error: Title vesting does not concur with deed | Vesting per Final Title Policy is XXX and XXX. This does not match vesting listed on Security Instrument, XXX and XXX | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449037 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2021 | 8/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449040 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 11/XX/2021 | 9/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Income Documentation - Income documentation requirements not met.<br> [2] Application / Processing - Mismatch of data related to Occupancy.: Borrower: XXX Occupancy: Investment; Declarations/Will borrower occupy: Yes<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA HOA Verification<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2013 | Borrower's Verbal VOE not provided<br> Borrower's Verbal VOE not provided | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449890 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2021 | 9/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450874 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 11/XX/2021 | 9/XX/2021 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/11/XX/2021) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Appraisal Delivery dated 10/XX/2021. Latest Appraisal documented is dated 11/XX/2021. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - |
| 6452450152 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 11/XX/2021 | 10/XX/2021 | Second Home | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Application / Processing - Mismatch of data related to Occupancy.: Borrower: XXX, Borrower: XXX Occupancy: Second Home; Declarations/Will borrower occupy: Yes<br> Occupancy: Second Home; Declarations/Will borrower occupy: Yes<br> [2] General - Missing Document: Verification of Non-US Citizen Status not provided |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Copy/Rush Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7594) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: redesignated per client request<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452450785 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 1/XX/2022 | 11/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXX // Account Type: Checking / Account Number: XXX<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, ON Insurance Verification<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2014<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 05/XX/2014 | 2 months bank statement is required.<br> Insurance document is missing.<br> VVOE is missing.<br> VVOE is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450572 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 2/XX/2022 | 1/XX/2022 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Credit Documentation - Credit Report Error: Credit report is missing FICO scores.: Credit Report: Original // Borrower: XXX<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, VI Statement<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, QC Statement | FICO Score not provided on credit report<br> E-Sign Consent Agreement: E-sign Consent Agreement is missing.<br> Statement is missing for REO XXX, VI:<br> Statement is missing FOR: XXX, QC | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: The initial account disclosure statement did not show the initial deposit made, only the balance.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/19): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452450639 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 2/XX/2022 | 1/XX/2022 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452451157 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2022 | 6/XX/2022 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - |
| 6452450227 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 12/XX/2022 | 11/XX/2022 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450977 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 12/XX/2022 | 10/XX/2022 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450395 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 8/XX/2021 | 7/XX/2021 | Second Home | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, IL Insurance Verification, Tax Verification | The file was missing the taxes/insurance/HOA dues/ for this property, please provide for review. | REVIEWER - WAIVED COMMENT (2025/XX/17): Client elects with waive with comp factor. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2658151)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2658150)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2658149)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2658148) | Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Calculated P&I is $XXX while the Original P&I per loan documents is $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Calculated P&I is $XXX while the Original P&I per loan documents is $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Calculated P&I is $XXX while the Original P&I per loan documents is $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: Calculated P&I is $XXX while the Original P&I per loan documents is $XXX. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score is above 680. |  | - |
| 6452450551 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 2/XX/2018 | 1/XX/2018 | Second Home | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2018 disclosed a First Change frequency that does not match the actual first change frequency for the loan. (Final/02/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2018 did not disclose an accurate Index as reflected on the Note. (Final/02/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA-RESPA Integrated Disclosure - Loan Calculations: APR of 4.12600% on Final Closing Disclosure provided on 02/XX/2018 is under-disclosed from the calculated APR of 5.09070% outside of 0.250% tolerance. (Final/02/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 02/XX/2018). (Final/02/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2018 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (Final/02/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan. (ProjSeq:4/2642597)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan. (ProjSeq:3/2642596)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/2642595)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment ARM: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2018 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2642594)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 02/XX/2018). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/02/XX/2018)<br> [2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 02/XX/2018 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Escrow Waiver Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7321) | Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency: Final Closing Disclosure provided on 02/XX/2018 disclosed a First Change frequency that does not match the actual first change frequency for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on 02/XX/2018 did not disclose an accurate Index as reflected on the Note<br> Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: APR of 4.12600% on Final Closing Disclosure provided on 02/XX/2018 is under-disclosed from the calculated APR of 5.07947% outside of 0.250% tolerance.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: Final Closing Disclosure provided on 02/XX/2018 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 4 that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 3 that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Final Closing Disclosure provided on 02/XX/2018 disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid change of circumstance or sufficient cure is missing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449127 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 4/XX/2021 | 2/XX/2021 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 04/XX/2021 did not disclose an accurate Index as reflected on the Note. (Final/04/XX/2021)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable Interest Rate Table: Final Closing Disclosure provided on 04/XX/2021 did not disclose an accurate Index as reflected on the Note.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449740 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 6/XX/2021 | 4/XX/2021 | Primary | Purchase | Non QM | 2<br> B<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B<br> A | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal fee disclosed as $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450850 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 6/XX/2022 | 4/XX/2022 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Self-Employed Tax Return Recency - QM: General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 04/XX/2022, Most Recent Tax Return End Date 12/XX/2020, Tax Return Due Date 03/XX/2022. (XXX XXX/Partnership)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450856 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 4/XX/2023 | 3/XX/2023 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 04/XX/2023 are overdisclosed. (Final/04/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 04/XX/2023 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/04/XX/2023)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2023 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2655322)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2023 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2655321)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2023 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2655320)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2023 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2655319) | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Estimated Taxes and insurance as per Closing Disclosure second page is $XXX, but page 1 reflects Estimated Taxes and insurance AS $XXX<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 04/XX/2023 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Estimated Taxes and insurance as per Closing Disclosure second page is $XXX, but page 1 reflects Estimated Taxes and insurance AS $XXX<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Estimated Taxes and insurance as per Closing Disclosure second page is $XXX, but page 1 reflects Estimated Taxes and insurance AS $XXX<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Estimated Taxes and insurance as per Closing Disclosure second page is $XXX, but page 1 reflects Estimated Taxes and insurance AS $XXX<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Estimated Taxes and insurance as per Closing Disclosure second page is $XXX, but page 1 reflects Estimated Taxes and insurance AS $XXX | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> SELLER - GENERAL COMMENT (2025/XX/16): Interest only term on CD is for 12 months. Addendum to Mortgage Note also indicates interest only during construction phase of 12 months. Last payment for interest only will be different than last payment for entire loan as interest only period is only for 12 months. First payment of interest only will be due 5/XX/2023 and first payment of interest+principal will be 5/XX/2024 which aligns with note.<br>As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month<br> REVIEWER - GENERAL COMMENT (2025/XX/17): SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided At Closing | GENERAL COMMENT (2025/XX/16): Interest only term on CD is for 12 months. Addendum to Mortgage Note also indicates interest only during construction phase of 12 months. Last payment for interest only will be different than last payment for entire loan as interest only period is only for 12 months. First payment of interest only will be due 5/XX/2023 and first payment of interest+principal will be 5/XX/2024 which aligns with note.<br>As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month |  |  | - |
| 6452449071 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | WI | 10/XX/2024 | 9/XX/2024 | Primary | Purchase | Safe Harbor QM (APOR) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450828 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 10/XX/2020 | 9/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Reserves are less than required per investment properties, causing the loan to waterfall through the QM Testing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive | GENERAL COMMENT (2024/XX/26): See attached assets statements, Fannie Mae DU results. Borrower's $XXX in assets met agency requirements.<br>GENERAL COMMENT (2024/XX/26): See attached assets statements, Fannie Mae DU results. Borrower's $XXX in assets met agency requirements.<br>GENERAL COMMENT (2025/XX/03): Borrower has 256,165.30 vested in retirement accounts that can be used towards reserves. Attached statements<br>GENERAL COMMENT (2025/XX/03): Borrower has 256,165.30 vested in retirement accounts that can be used towards reserves. Attached statements<br>GENERAL COMMENT (2025/XX/06): Borrower has 256,165.30 vested in retirement accounts that can be used towards reserves. Attached statements<br>GENERAL COMMENT (2025/XX/06): Borrower has 256,165.30 vested in retirement accounts that can be used towards reserves. Attached statements | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - |
| 6452449887 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 6/XX/2020 | 3/XX/2020 | Second Home | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/03/XX/2020)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450312 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 1/XX/2021 | 12/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Guideline Issue - Borrower has been on current job less than 2 years, and prior employment history was not documented as required.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 06/XX/2019 | Borrower has been on current job less than 2 years. A degree or course transcripts evidencing borrower was previously in school was not provided | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7579) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449253 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 9/XX/2021 | 6/XX/2021 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of 671 is less than Guideline representative FICO score of 680. | Representative FICO score of 671 is less than Guideline representative FICO score of 680. Bridge Loan was not used per 1008. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower. as received ARM disclosure is not signed and dated<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $XXX . No valid COC provided | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452451055 | Base | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2022 | 9/XX/2022 | Primary | Purchase | Non QM | 1<br> A |  |  |  |  |  | [2] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided | The loan terms are missing. | REVIEWER - WAIVED COMMENT (2025/XX/24): Client elects to waive seasoned exception. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  | GENERAL COMMENT (2025/XX/08): This should be a general QM loan | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - |

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## Exhibit 99.1

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Base/Upsize** | **LoanID** | **Seller Loan ID** | **Servicer Loan ID** | **Has Mod (Bid Tape)** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** | **Seller Response** | **AMC Rebuttal** |
| 6452449020 | Base | XXX | XXX | XXX | Yes | Original Term | 526 | 360 | Per the note on page 27, the original term is 360. |  |  |
| 6452449020 | Base | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Per the note on page 27, the maturity date isXX/XX/XXXX. |  |  |
| 6452449020 | Base | XXX | XXX | XXX | Yes | Original P&I |  | 1375.46 |  |  |  |
| 6452449020 | Base | XXX | XXX | XXX | Yes | Representative FICO | 571 | 567 | Per the CBR, the FICO is 567. |  |  |
| 6452449524 | Base | XXX | XXX | XXX | Yes | Original Term | 334 | 360 | Data taken from original Note. |  |  |
| 6452449524 | Base | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Data taken from original Note. |  |  |
| 6452449524 | Base | XXX | XXX | XXX | Yes | Original Interest Rate | XX.XX | XX.XX | Data taken from original Note. |  |  |
| 6452449524 | Base | XXX | XXX | XXX | Yes | Original P&I |  | 1596.29 |  |  |  |
| 6452449524 | Base | XXX | XXX | XXX | Yes | Refi Purpose | Cash-out | Rate/Term | Data taken from Final HUD-1. |  |  |
| 6452450823 | Base | XXX | XXX | XXX | Yes | Street | XXX | XXX | Verified by the note. |  |  |
| 6452450823 | Base | XXX | XXX | XXX | Yes | Note Date | 2001-10-XX | 2001-10-XX | Verified by the note. |  |  |
| 6452450823 | Base | XXX | XXX | XXX | Yes | Occupancy |  | Primary |  |  |  |
| 6452450823 | Base | XXX | XXX | XXX | Yes | Appraised Value | XXX |  | Cannot verify due to missing appraisal. |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | 2002 loan |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | balance due XX/XX/XXXX |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | Original Interest Rate | XX.XX | XX.XX | per note |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | Amortization Type | Fixed | ARM | CP loan at Prime + 2 until rollover |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | Property Type | Single Family | Manufactured Housing | appraisal and other docs show manufactured housing, double wide |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | Occupancy | Investment | Primary | to be owner occupied per 1003 |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | Margin | 0 | 2 | loan is Prime + 2% |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | Contract Sales Price | XXX |  | CP Bridge loan |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | Original CLTV | 120.79 | 90 | no evidence of 2nd lien |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | Original LTV | 120.79 | 90 | review matches docs in file |  |  |
| 6452451128 | Base | XXX | XXX | XXX | Yes | LTV Valuation Value | XXX | XXX | 2002 appraisal at XXX |  |  |
| 6452450691 | Base | XXX | XXX | XXX | Yes | City | XXX | XXX | Per the Note |  |  |
| 6452450691 | Base | XXX | XXX | XXX | Yes | Zip | XXX | XXX | Per the Note |  |  |
| 6452450691 | Base | XXX | XXX | XXX | Yes | Original P&I | 1131.91 | 1210.00 | Per the Note |  |  |
| 6452450691 | Base | XXX | XXX | XXX | Yes | Occupancy | Investment | Second Home | Per Second Home Rider, 1003 |  |  |
| 6452450691 | Base | XXX | XXX | XXX | Yes | Interest Rate Life Min |  | 2.75 |  |  |  |
| 6452450691 | Base | XXX | XXX | XXX | Yes | Contract Sales Price | XXX |  | Per HUD, loan is a refinance |  |  |
| 6452450691 | Base | XXX | XXX | XXX | Yes | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Per HUD, loan is a refinance |  |  |
| 6452449354 | Base | XXX | XXX | XXX | Yes | Original Term | 533 | 360 | Per note |  |  |
| 6452449354 | Base | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Per note |  |  |
| 6452450356 | Base | XXX | XXX | XXX | Yes | Borrower SSN |  | XXX |  |  |  |
| 6452450356 | Base | XXX | XXX | XXX | Yes | Original Term | 480 | 360 | Verified with the note the original term is 360. |  |  |
| 6452450356 | Base | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Verified with the note the maturity date is XX/XX/XXXX. |  |  |
| 6452450356 | Base | XXX | XXX | XXX | Yes | Original P&I |  | 562.08 |  |  |  |
| 6452450356 | Base | XXX | XXX | XXX | Yes | Original LTV | 92.23 | 95 | Verified with the approval the LTV is 95%. |  |  |
| 6452450356 | Base | XXX | XXX | XXX | Yes | LTV Valuation Value | XXX | XXX | Verified with the appraisal the value is $XXX. |  |  |
| 6452450518 | Base | XXX | XXX | XXX |  | Note Date | 2007-05-XX | 2007-05-XX | Per Note, Note Date is 05/XX/2007 |  |  |
| 6452450518 | Base | XXX | XXX | XXX |  | Amortization Term | 534 | 480 | Per Note, Amortization Term is 480 |  |  |
| 6452450518 | Base | XXX | XXX | XXX |  | Original P&I | 3698.42 | 2698.42 | Per Note, Original P&I is $XXX |  |  |
| 6452450518 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Per 1003, Purpose is Refinance |  |  |
| 6452450518 | Base | XXX | XXX | XXX |  | Refi Purpose |  | Cash-out - Debt Consolidation | Cash-out - Debt Consolidation |  |  |
| 6452450518 | Base | XXX | XXX | XXX |  | Original CLTV | 80 | 76.1 | Original CLTV drops when factoring in appraisal value |  |  |
| 6452450518 | Base | XXX | XXX | XXX |  | Original LTV | 80 | 76.1 | Original LTV drops when factoring in appraisal value |  |  |
| 6452449307 | Base | XXX | XXX | XXX |  | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Field value reflects source document |  |  |
| 6452449307 | Base | XXX | XXX | XXX |  | Original Interest Rate |  | XX.XX | Field value reflects source document |  |  |
| 6452449307 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field value reflects source document |  |  |
| 6452449245 | Base | XXX | XXX | XXX |  | Note Date | 2006-10-XX | 2006-09-XX | Field value reflects source document |  |  |
| 6452449245 | Base | XXX | XXX | XXX |  | Original Interest Rate |  | XX.XX | Field value reflects source document |  |  |
| 6452449245 | Base | XXX | XXX | XXX |  | Occupancy | Second Home | Investment | Field value reflects source document |  |  |
| 6452451092 | Base | XXX | XXX | XXX |  | Original Term | 692 | 360 | Field value reflects source document |  |  |
| 6452451092 | Base | XXX | XXX | XXX |  | Occupancy |  | Primary | Unable to verify due to missing information |  |  |
| 6452450636 | Base | XXX | XXX | XXX |  | Note Date | 2004-03-XX | 2004-03-XX | Field value reflects source document |  |  |
| 6452450636 | Base | XXX | XXX | XXX |  | Original Term | 566 | 360 | Field value reflects source document |  |  |
| 6452450636 | Base | XXX | XXX | XXX |  | Occupancy |  | Primary | Field value reflects source document |  |  |
| 6452450744 | Base | XXX | XXX | XXX |  | Note Date | 2006-12-XX | 2006-12-XX | Field value reflects source document |  |  |
| 6452450744 | Base | XXX | XXX | XXX |  | Original Term | 546 | 360 | Field value reflects source document |  |  |
| 6452450744 | Base | XXX | XXX | XXX |  | Occupancy |  | Primary | Field value reflects source document |  |  |
| 6452449404 | Base | XXX | XXX | XXX |  | Original CLTV | 79.85 | 77.5 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452449404 | Base | XXX | XXX | XXX |  | Original LTV | 80 | 77.5 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |  |  |
| 6452449404 | Base | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452451075 | Base | XXX | XXX | XXX |  | Original P&I | 461.29 | 440.08 | Field Value reflects Note value |  |  |
| 6452451075 | Base | XXX | XXX | XXX |  | Property Type | Single Family | PUD | There is a PUD Rider in captured documents. |  |  |
| 6452450745 | Base | XXX | XXX | XXX |  | Original P&I | 2070.00 | 2070.39 | Field Value reflects Note value |  |  |
| 6452450745 | Base | XXX | XXX | XXX |  | Original CLTV | 100 | 102.94 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450745 | Base | XXX | XXX | XXX |  | Original LTV | 100 | 102.94 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450745 | Base | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452450534 | Base | XXX | XXX | XXX |  | Original Loan Amount | XXX | XXX | Field Value reflects the Note value |  |  |
| 6452450955 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450955 | Base | XXX | XXX | XXX |  | Original Loan Amount | XXX | XXX | Field Value reflects the Note value |  |  |
| 6452449357 | Base | XXX | XXX | XXX |  | Note Date | 2005-04-XX | 2005-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449357 | Base | XXX | XXX | XXX |  | Property Type |  | Single Family Detached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449357 | Base | XXX | XXX | XXX |  | Margin |  | 8.5 | Field Value reflects 'Margin' per the Note |  |  |
| 6452449357 | Base | XXX | XXX | XXX |  | Interest Rate Life Max |  | 16.5 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452449357 | Base | XXX | XXX | XXX |  | Interest Rate Life Cap |  | 7 | Field Value reflects 'Interest Rate Life Cap' per the Note |  |  |
| 6452449357 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap |  | 1.5 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452449357 | Base | XXX | XXX | XXX |  | First Payment Change Date |  | 2007-06-XX | Field Value reflects 'Payment First Change Date' per the Note |  |  |
| 6452449357 | Base | XXX | XXX | XXX |  | Interest Rate Initial Cap |  | 3 | Field Value reflects 'Interest Rate Initial Cap' per the Note |  |  |
| 6452449357 | Base | XXX | XXX | XXX |  | Interest Rate Life Floor |  | 1 | Field Value reflects 'Interest Rate Life Floor' per the Note |  |  |
| 6452449491 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449578 | Base | XXX | XXX | XXX |  | Representative FICO | 631 | 619 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449578 | Base | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449578 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452449578 | Base | XXX | XXX | XXX |  | PMI Coverage % | XXX | XXX | Field value reflects source document |  |  |
| 6452449578 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 23.826 | 27.24 | Field Value DTI from AUS report. |  |  |
| 6452450841 | Base | XXX | XXX | XXX |  | Representative FICO |  | 706 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450841 | Base | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450841 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Unable to verify due to missing information |  |  |
| 6452450841 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 77.033 | 44.66 | Captured from 1008 |  |  |
| 6452450923 | Base | XXX | XXX | XXX |  | Representative FICO |  | 709 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450923 | Base | XXX | XXX | XXX |  | Borrower Middle Name |  | XXX | Field value reflects source document |  |  |
| 6452450923 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 48.601 | 42 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449779 | Base | XXX | XXX | XXX |  | Representative FICO |  | 635 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449779 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452449779 | Base | XXX | XXX | XXX |  | PMI Coverage % | XXX | XXX | Field value reflects source document |  |  |
| 6452449779 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 56.753 | 24.587 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449596 | Base | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449596 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452449596 | Base | XXX | XXX | XXX |  | PMI Coverage % | XXX | XXX | Field value reflects source document |  |  |
| 6452449878 | Base | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452449878 | Base | XXX | XXX | XXX |  | Representative FICO |  | 702 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449878 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 32.376 | 35 | Field value reflects debt ratio per approval |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Borrower Last Name | XXX | XXX | Field Value reflects Borrower name as it appears on the Note |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Representative FICO |  | 735 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Approval/AUS |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Index Type |  | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | First Interest Rate Change Date | 2012-05-XX | 2012-04-XX | Field Value reflects 'Interest Rate First Change Date' per the Note |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Interest Rate Change Frequency |  | 12 | Field Value reflects 'Interest Rate Change Frequency' per the Note |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Interest Rate Life Min |  | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Floor |  | 2 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap |  | 2 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Interest Rate Initial Maximum |  | 10.125 | Field Value reflects 'Interest Rate Initial Maximum' per the Note |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Interest Rate Initial Minimum |  | 2.25 | Field Value reflects 'Interest Rate Initial Minimum' per the Note |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Payment Change Frequency |  | 12 | Field Value reflects 'Payment Change Frequency' per the Note |  |  |
| 6452450410 | Base | XXX | XXX | XXX |  | Borrower Middle Name | XXX |  | Field value reflects source document |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Original P&I | 883.67 | 871.77 | Field Value reflects Note value |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Amortization Type | Fixed | ARM | Field Value reflects Amortization Type per Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Purpose | Refinance | Construction-Permanent | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Index Type |  | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Margin | 0 | 2.5 | Field Value reflects 'Margin' per the Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | First Interest Rate Change Date |  | 2012-06-XX | Field Value reflects 'Interest Rate First Change Date' per the Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Interest Rate Change Frequency |  | 12 | Field Value reflects 'Interest Rate Change Frequency' per the Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Interest Rate Life Min |  | 2.5 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Interest Rate Life Max |  | 10.75 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Floor |  | 2 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap |  | 2 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Contract Sales Price | XXX | XXX | refi |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Original LTV | 42 | 69.84 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Interest Rate Initial Maximum |  | 10.75 | Field Value reflects 'Interest Rate Initial Maximum' per the Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Interest Rate Initial Minimum |  | 2.5 | Field Value reflects 'Interest Rate Initial Minimum' per the Note |  |  |
| 6452449518 | Base | XXX | XXX | XXX |  | Payment Change Frequency |  | 12 | Field Value reflects 'Payment Change Frequency' per the Note |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | Representative FICO |  | 720 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | Index Type |  | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | First Interest Rate Change Date | 2015-12-XX | 2015-11-XX | Field Value reflects 'Interest Rate First Change Date' per the Note |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | Interest Rate Change Frequency |  | 12 | Field Value reflects 'Interest Rate Change Frequency' per the Note |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | Interest Rate Life Min |  | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Floor |  | 2 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap |  | 2 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | Interest Rate Initial Maximum |  | 10.25 | Field Value reflects 'Interest Rate Initial Maximum' per the Note |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | Interest Rate Initial Minimum |  | 2.25 | Field Value reflects 'Interest Rate Initial Minimum' per the Note |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | Payment Change Frequency |  | 12 | Field Value reflects 'Payment Change Frequency' per the Note |  |  |
| 6452450817 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 24.738 | 31.47 | inputted from 1008 |  |  |
| 6452449597 | Base | XXX | XXX | XXX |  | Representative FICO |  | 747 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449597 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 25.212 | 40.105 | DTI per 1008 |  |  |
| 6452450532 | Base | XXX | XXX | XXX |  | Representative FICO |  | 732 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Representative FICO |  | 765 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Index Type |  | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | First Interest Rate Change Date | 2016-05-XX | 2016-04-XX | Field Value reflects 'Interest Rate First Change Date' per the Note |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Interest Rate Change Frequency |  | 12 | Field Value reflects 'Interest Rate Change Frequency' per the Note |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Interest Rate Life Min |  | 2.15 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Floor |  | 2 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap |  | 2 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Interest Rate Initial Maximum |  | 11.15 | Field Value reflects 'Interest Rate Initial Maximum' per the Note |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Interest Rate Initial Minimum |  | 2.15 | Field Value reflects 'Interest Rate Initial Minimum' per the Note |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Payment Change Frequency |  | 12 | Field Value reflects 'Payment Change Frequency' per the Note |  |  |
| 6452450771 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 70.953 | 37.8 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450618 | Base | XXX | XXX | XXX |  | Original P&I | 1512.52 | 1512.51 | Field Value reflects Note value |  |  |
| 6452450618 | Base | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450618 | Base | XXX | XXX | XXX |  | Coborrower Middle Name |  | XXX | Field value reflects source document |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | Representative FICO |  | 738 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | Index Type |  | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | First Interest Rate Change Date | 2013-10-XX | 2013-09-XX | Field Value reflects 'Interest Rate First Change Date' per the Note |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | Interest Rate Change Frequency |  | 12 | Field Value reflects 'Interest Rate Change Frequency' per the Note |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | Interest Rate Life Min |  | 2.5 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Floor |  | 2 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap |  | 2 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | Interest Rate Initial Maximum |  | 11.75 | Field Value reflects 'Interest Rate Initial Maximum' per the Note |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | Interest Rate Initial Minimum |  | 2.5 | Field Value reflects 'Interest Rate Initial Minimum' per the Note |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | Payment Change Frequency |  | 12 | Field Value reflects 'Payment Change Frequency' per the Note |  |  |
| 6452450914 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 18.65 | 26.86 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450821 | Base | XXX | XXX | XXX |  | Borrower Last Name | XXX | XXX | Field Value reflects Borrower name as it appears on the Note |  |  |
| 6452450821 | Base | XXX | XXX | XXX |  | Note Date | 2006-12-XX | 2006-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450821 | Base | XXX | XXX | XXX |  | Representative FICO |  | 721 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450821 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 80.807 | 42.62 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450397 | Base | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450397 | Base | XXX | XXX | XXX |  | Representative FICO |  | 694 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450397 | Base | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Approval/AUS |  |  |
| 6452450397 | Base | XXX | XXX | XXX |  | Balloon Flag | 0 | 1 | Field Value reflects Note |  |  |
| 6452450397 | Base | XXX | XXX | XXX |  | Prepayment Penalty | 0 | 1 | Field Value reflects 'PrePayment Penalty' per the Note |  |  |
| 6452450875 | Base | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450875 | Base | XXX | XXX | XXX |  | Note Date | 2007-04-XX | 2007-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450875 | Base | XXX | XXX | XXX |  | Representative FICO |  | 764 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450875 | Base | XXX | XXX | XXX |  | Coborrower Middle Name | XXX | XXX | Field value reflects source document |  |  |
| 6452451186 | Base | XXX | XXX | XXX |  | Note Date | 2007-04-XX | 2007-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452451186 | Base | XXX | XXX | XXX |  | Representative FICO |  | 702 | Source document |  |  |
| 6452449316 | Base | XXX | XXX | XXX |  | Representative FICO |  | 647 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449316 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 44.533 | 54.76 | 1008 |  |  |
| 6452450045 | Base | XXX | XXX | XXX |  | Original P&I | 902.46 | 902.50 | Field Value reflects Note value |  |  |
| 6452450045 | Base | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449120 | Base | XXX | XXX | XXX |  | Representative FICO |  | 736 | Unable to verify due to missing information |  |  |
| 6452449644 | Base | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452449644 | Base | XXX | XXX | XXX |  | Representative FICO |  | 603 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450525 | Base | XXX | XXX | XXX |  | Representative FICO | 698 | 650 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449226 | Base | XXX | XXX | XXX |  | Coborrower Last Name | XXX | XXX | Field Value reflects Co-Borrower name as it appears on the Note |  |  |
| 6452449226 | Base | XXX | XXX | XXX |  | Representative FICO | 770 | 722 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449967 | Base | XXX | XXX | XXX |  | Representative FICO |  | 653 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449967 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Unable to verify due to missing information |  |  |
| 6452449967 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 52.533 | 63.74 | approval |  |  |
| 6452450401 | Base | XXX | XXX | XXX |  | Representative FICO | 786 | 751 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449495 | Base | XXX | XXX | XXX |  | Representative FICO |  | 677 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450028 | Base | XXX | XXX | XXX |  | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Note |  |  |
| 6452450028 | Base | XXX | XXX | XXX |  | Property Type | Single Family | PUD | PUD rider, appraisal |  |  |
| 6452450028 | Base | XXX | XXX | XXX |  | Interest Rate Life Cap | 5 | 6 | Note |  |  |
| 6452450321 | Base | XXX | XXX | XXX |  | Amortization Term | 437 | 360 | Confirmed Note |  |  |
| 6452450321 | Base | XXX | XXX | XXX |  | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Confirmed Note |  |  |
| 6452450321 | Base | XXX | XXX | XXX |  | Amortization Type | Fixed | ARM | Confirmed Note |  |  |
| 6452450321 | Base | XXX | XXX | XXX |  | Index Type |  | LIBOR - 1 Year (Daily) |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX |  | Margin |  | 2.75 |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX |  | Interest Rate Life Cap |  | 6.375 |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap |  | 2 |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX |  | Interest Rate Initial Cap |  | 2 |  |  |  |
| 6452450321 | Base | XXX | XXX | XXX |  | Original CLTV | 95 | 75 | Per appraisal |  |  |
| 6452451133 | Base | XXX | XXX | XXX |  | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Verified to note |  |  |
| 6452451133 | Base | XXX | XXX | XXX |  | Interest Rate Life Cap |  | 6 |  |  |  |
| 6452451133 | Base | XXX | XXX | XXX |  | Interest Rate Initial Cap | 2 | 6 | Verified to note |  |  |
| 6452451133 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Missing MI Cert |  |  |
| 6452449379 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452449379 | Base | XXX | XXX | XXX |  | Original Loan Amount | XXX | XXX | Field Value reflects the Note value |  |  |
| 6452449379 | Base | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452449379 | Base | XXX | XXX | XXX |  | Original P&I |  | 420.75 | Field Value reflects Note value |  |  |
| 6452449379 | Base | XXX | XXX | XXX |  | Contract Sales Price | XXX |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |  |  |
| 6452450175 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450175 | Base | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452450175 | Base | XXX | XXX | XXX |  | Original P&I |  | 3861.24 | Field Value reflects Note value |  |  |
| 6452450175 | Base | XXX | XXX | XXX |  | Contract Sales Price | XXX |  | Field Value reflects sales price as it appears on the Approval/AUS |  |  |
| 6452450777 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450777 | Base | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452450777 | Base | XXX | XXX | XXX |  | Original P&I |  | 2345.95 | Field Value reflects Note value |  |  |
| 6452450777 | Base | XXX | XXX | XXX |  | Contract Sales Price | XXX |  | Field Value reflects sales price as it appears on the HUD-1 or CD |  |  |
| 6452450765 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450765 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap | 5 | 0 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450765 | Base | XXX | XXX | XXX |  | Contract Sales Price | XXX |  | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |  |  |
| 6452450765 | Base | XXX | XXX | XXX |  | Index Value | 0.048 | 0.04767 | Field Value reflects 'Index Value' per the Note |  |  |
| 6452449555 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449555 | Base | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452450460 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450460 | Base | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452450460 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449970 | Base | XXX | XXX | XXX |  | Note Date | 2000-05-XX | 2000-05-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449970 | Base | XXX | XXX | XXX |  | Original P&I | 516.66 | 752.23 | Field Value reflects Note value |  |  |
| 6452449036 | Base | XXX | XXX | XXX |  | Note Date | 2013-09-XX | 2013-08-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449036 | Base | XXX | XXX | XXX |  | Original P&I | 7050.94 | 6189.35 | Field Value reflects Note value |  |  |
| 6452450736 | Base | XXX | XXX | XXX |  | Note Date | 2013-04-XX | 2013-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450736 | Base | XXX | XXX | XXX |  | Original P&I | 3319.93 | 3375.00 | Field Value reflects Note value |  |  |
| 6452450066 | Base | XXX | XXX | XXX |  | Note Date | 2013-06-XX | 2013-05-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450066 | Base | XXX | XXX | XXX |  | Original P&I | 4455.20 | 2715.73 | Field Value reflects Note value |  |  |
| 6452450773 | Base | XXX | XXX | XXX |  | Note Date | 2006-04-XX | 2006-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450773 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452451145 | Base | XXX | XXX | XXX |  | Note Date | 2012-12-XX | 2012-11-XX | Field Value reflects Note Date per the Note |  |  |
| 6452451145 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449202 | Base | XXX | XXX | XXX |  | Note Date | 2006-03-XX | 2006-02-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449202 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449202 | Base | XXX | XXX | XXX |  | Property Type | Single Family | Manufactured Housing | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450606 | Base | XXX | XXX | XXX |  | Note Date | 2007-04-XX | 2007-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450606 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450606 | Base | XXX | XXX | XXX |  | Original P&I | 664.97 | 869.35 | Field Value reflects Note value |  |  |
| 6452449903 | Base | XXX | XXX | XXX |  | Note Date | 2013-12-XX | 2013-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449903 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449935 | Base | XXX | XXX | XXX |  | Note Date | 2005-02-XX | 2009-02-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449935 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449935 | Base | XXX | XXX | XXX |  | Amortization Term |  | 240 | Field Value reflects Amortization Term per Note |  |  |
| 6452449935 | Base | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452449935 | Base | XXX | XXX | XXX |  | Original P&I | 301.98 | 533.00 | Field Value reflects Note value |  |  |
| 6452449935 | Base | XXX | XXX | XXX |  | Balloon Flag | 0 | 1 | Field Value reflects Note |  |  |
| 6452449395 | Base | XXX | XXX | XXX |  | Note Date | 2016-06-XX | 2016-05-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450796 | Base | XXX | XXX | XXX |  | Note Date | 2018-05-XX | 2018-05-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450796 | Base | XXX | XXX | XXX |  | Original P&I | 1831.69 | 3166.67 | Field Value reflects Note value |  |  |
| 6452450403 | Base | XXX | XXX | XXX |  | Note Date | 2019-10-XX | 2019-09-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449906 | Base | XXX | XXX | XXX |  | Note Date | 2015-12-XX | 2015-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449906 | Base | XXX | XXX | XXX |  | Original P&I | 1506.91 | 2891.53 | Field Value reflects Note value |  |  |
| 6452450901 | Base | XXX | XXX | XXX |  | Note Date | 2020-08-XX | 2020-08-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449853 | Base | XXX | XXX | XXX |  | Note Date | 2017-10-XX | 2017-10-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449853 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449853 | Base | XXX | XXX | XXX |  | Original P&I | 1720.13 | 1746.39 | Field Value reflects Note value |  |  |
| 6452449204 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449204 | Base | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452449501 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449501 | Base | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452449501 | Base | XXX | XXX | XXX |  | Refi Purpose | Rate/Term | Limited Cash-out GSE | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452451148 | Base | XXX | XXX | XXX |  | Note Date | 2016-10-XX | 2016-10-XX | Field Value reflects Note Date per the Note |  |  |
| 6452451148 | Base | XXX | XXX | XXX |  | Original LTV | 51.88 | 48.74 | Tape Value reflects the CLTV value |  |  |
| 6452451148 | Base | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452449858 | Base | XXX | XXX | XXX |  | Note Date | 2019-08-XX | 2019-08-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449858 | Base | XXX | XXX | XXX |  | Property Type | Townhouse | Single Family Attached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449392 | Base | XXX | XXX | XXX |  | Note Date | 2019-08-XX | 2019-07-XX | Field Value reflects Note Date per the Note |  |  |
| 6452451073 | Base | XXX | XXX | XXX |  | Note Date | 2016-12-XX | 2016-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449262 | Base | XXX | XXX | XXX |  | Note Date | 2019-04-XX | 2019-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449262 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449262 | Base | XXX | XXX | XXX |  | Property Type | PUD | Single Family Detached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452451249 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452451249 | Base | XXX | XXX | XXX |  | Note Date | 2016-06-XX | 2016-06-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449658 | Base | XXX | XXX | XXX |  | Note Date | 2019-04-XX | 2019-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450225 | Base | XXX | XXX | XXX |  | Note Date | 2019-01-XX | 2019-01-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449117 | Base | XXX | XXX | XXX |  | Note Date | 2020-09-XX | 2020-09-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449117 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449066 | Base | XXX | XXX | XXX |  | Note Date | 2014-08-XX | 2014-07-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449066 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449066 | Base | XXX | XXX | XXX |  | Property Type | Single Family | Condo (Low Rise) | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450052 | Base | XXX | XXX | XXX |  | Note Date | 2017-02-XX | 2017-02-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450052 | Base | XXX | XXX | XXX |  | Property Type | Multi (Blanket) | 3 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449837 | Base | XXX | XXX | XXX |  | Note Date | 2017-05-XX | 2017-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449482 | Base | XXX | XXX | XXX |  | Note Date | 2019-04-XX | 2019-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449452 | Base | XXX | XXX | XXX |  | Note Date | 2017-07-XX | 2017-07-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450055 | Base | XXX | XXX | XXX |  | Note Date | 2016-12-XX | 2016-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449128 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452449128 | Base | XXX | XXX | XXX |  | Note Date | 2017-12-XX | 2017-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450783 | Base | XXX | XXX | XXX |  | Note Date | 2020-04-XX | 2020-03-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450783 | Base | XXX | XXX | XXX |  | Original Loan Amount | XXX | XXX | Field Value reflects the Note value |  |  |
| 6452450783 | Base | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450988 | Base | XXX | XXX | XXX |  | Note Date | 2016-07-XX | 2016-07-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450934 | Base | XXX | XXX | XXX |  | Note Date | 2019-07-XX | 2019-07-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450934 | Base | XXX | XXX | XXX |  | Original P&I | 6726.31 | 8007.81 | Field Value reflects Note value |  |  |
| 6452450424 | Base | XXX | XXX | XXX |  | Note Date | 2016-11-XX | 2016-11-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450424 | Base | XXX | XXX | XXX |  | Original P&I | 1197.92 | 3519.48 | Field Value reflects Note value |  |  |
| 6452450424 | Base | XXX | XXX | XXX |  | Refi Purpose | Rate/Term | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449605 | Base | XXX | XXX | XXX |  | Note Date | 2017-10-XX | 2017-10-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449605 | Base | XXX | XXX | XXX |  | Original P&I | 3809.44 | 3909.38 | Field Value reflects Note value |  |  |
| 6452449002 | Base | XXX | XXX | XXX |  | Note Date | 2015-03-XX | 2015-03-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449002 | Base | XXX | XXX | XXX |  | Original P&I | 3877.72 | 3269.53 | Field Value reflects Note value |  |  |
| 6452450402 | Base | XXX | XXX | XXX |  | Note Date | 2017-08-XX | 2017-08-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450402 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449872 | Base | XXX | XXX | XXX |  | Note Date | 2017-04-XX | 2017-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449872 | Base | XXX | XXX | XXX |  | Original LTV | 69.12 | 74.48 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |  |  |
| 6452449872 | Base | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452450365 | Base | XXX | XXX | XXX |  | Note Date | 2018-11-XX | 2018-11-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450835 | Base | XXX | XXX | XXX |  | Note Date | 2018-03-XX | 2018-03-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449619 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452449619 | Base | XXX | XXX | XXX |  | Note Date | 2019-11-XX | 2019-11-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449619 | Base | XXX | XXX | XXX |  | Original P&I | 2642.79 | 2679.69 | Field Value reflects Note value |  |  |
| 6452449619 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450705 | Base | XXX | XXX | XXX |  | Note Date | 2019-09-XX | 2019-08-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450705 | Base | XXX | XXX | XXX |  | Original P&I | 2423.34 | 2426.67 | Field Value reflects Note value |  |  |
| 6452449266 | Base | XXX | XXX | XXX |  | Note Date | 2015-10-XX | 2015-09-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449266 | Base | XXX | XXX | XXX |  | Original P&I | 433.90 | 2492.19 | Field Value reflects Note value |  |  |
| 6452449266 | Base | XXX | XXX | XXX |  | Refi Purpose | Rate/Term | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449295 | Base | XXX | XXX | XXX |  | Note Date | 2014-10-XX | 2014-09-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449295 | Base | XXX | XXX | XXX |  | Original P&I | 803.38 | 645.94 | Field Value reflects Note value |  |  |
| 6452450887 | Base | XXX | XXX | XXX |  | Note Date | 2018-11-XX | 2018-11-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450887 | Base | XXX | XXX | XXX |  | Original P&I | 1070.00 | 1071.88 | Field Value reflects Note value |  |  |
| 6452450887 | Base | XXX | XXX | XXX |  | Property Type | Multi (Blanket) | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450728 | Base | XXX | XXX | XXX |  | Note Date | 2016-10-XX | 2016-10-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450728 | Base | XXX | XXX | XXX |  | Original P&I | 1227.08 | 1388.54 | Field Value reflects Note value |  |  |
| 6452449634 | Base | XXX | XXX | XXX |  | Note Date | 2016-06-XX | 2016-06-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449634 | Base | XXX | XXX | XXX |  | Original P&I | 1141.66 | 1676.56 | Field Value reflects Note value |  |  |
| 6452449634 | Base | XXX | XXX | XXX |  | Property Type | Multi (Blanket) | 4 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452451013 | Base | XXX | XXX | XXX |  | Note Date | 2014-12-XX | 2014-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452451013 | Base | XXX | XXX | XXX |  | Original P&I | 2393.14 | 1931.67 | Field Value reflects Note value |  |  |
| 6452451013 | Base | XXX | XXX | XXX |  | Property Type | Multi (Blanket) | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452451059 | Base | XXX | XXX | XXX |  | Note Date | 2016-01-XX | 2016-01-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449945 | Base | XXX | XXX | XXX |  | Note Date | 2016-04-XX | 2016-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450488 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450488 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450488 | Base | XXX | XXX | XXX |  | Original CLTV |  | 76.6055 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450488 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449610 | Base | XXX | XXX | XXX |  | Property Type | Condo | Single Family Detached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449610 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449610 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450434 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450434 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450434 | Base | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450434 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449406 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450017 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450017 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450017 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 25.893 | 23.33909 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450132 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450132 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450132 | Base | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452450132 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450132 | Base | XXX | XXX | XXX |  | Interest Rate Life Max | 8 | 8.375 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452450132 | Base | XXX | XXX | XXX |  | Original CLTV |  | 95 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450132 | Base | XXX | XXX | XXX |  | Origination Channel | Correspondent | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450428 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450428 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450428 | Base | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452450428 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450428 | Base | XXX | XXX | XXX |  | Interest Rate Life Max | 8 | 8.625 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452450428 | Base | XXX | XXX | XXX |  | Original CLTV |  | 95 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450428 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450428 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450428 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 25 | 31.28421 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449313 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449313 | Base | XXX | XXX | XXX |  | Original CLTV |  | 75 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452449313 | Base | XXX | XXX | XXX |  | Origination Channel | Correspondent | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449313 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 30 | 32.35408 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | Interest Rate Life Max | 8 | 8.25 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | Original CLTV |  | 83.82353 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | Origination Channel | Correspondent | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450832 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Interest Rate Life Max | 8 | 8.25 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Floor | 2 | 1 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap | 2 | 1 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Original CLTV |  | 88.68182 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450202 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452451082 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451082 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452451082 | Base | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452451082 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452451082 | Base | XXX | XXX | XXX |  | Interest Rate Life Max | 8 | 8.5 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452451082 | Base | XXX | XXX | XXX |  | Original CLTV |  | 57.75862 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452451082 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452451082 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 32 | 29.60748 | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |  |  |
| 6452450456 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450456 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450456 | Base | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452450456 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450456 | Base | XXX | XXX | XXX |  | Interest Rate Life Max | 8 | 8.75 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452450456 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Floor | 2 | 1 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450456 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap | 2 | 1 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450456 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450456 | Base | XXX | XXX | XXX |  | Original CLTV |  | 88.65385 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450456 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452451142 | Base | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452451142 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451142 | Base | XXX | XXX | XXX |  | Interest Rate Life Max | 8 | 8.875 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452451142 | Base | XXX | XXX | XXX |  | Original CLTV |  | 13.46154 | Per document |  |  |
| 6452451142 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449697 | Base | XXX | XXX | XXX |  | Property Type |  | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449697 | Base | XXX | XXX | XXX |  | Occupancy | Second Home | Investment | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452449697 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449697 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 |  | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452449697 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449697 | Base | XXX | XXX | XXX |  | Original CLTV |  | 53.5 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449550 | Base | XXX | XXX | XXX |  | Property Type |  | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449550 | Base | XXX | XXX | XXX |  | Occupancy | Second Home | Investment | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452449550 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449550 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449550 | Base | XXX | XXX | XXX |  | Original CLTV |  | 64.63768 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449550 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 27 | 43.29443 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450514 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450514 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow without Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450781 | Base | XXX | XXX | XXX |  | Borrower First Name | XXX | XXX | Field Value reflects Borrower name as it appears on the Note |  |  |
| 6452450781 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450781 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450781 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450781 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450018 | Base | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450018 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450018 | Base | XXX | XXX | XXX |  | Original P&I | 4093.91 | 4107.76 | Field Value reflects Note value |  |  |
| 6452450018 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450018 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450018 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 |  | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450018 | Base | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450018 | Base | XXX | XXX | XXX |  | Original CLTV |  | 87.33624 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452450018 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452450280 | Base | XXX | XXX | XXX |  | Original P&I | 2204.51 | 2204.50 | Field Value reflects Note value |  |  |
| 6452450280 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450280 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450280 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452450280 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 43 | 46.68029 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450960 | Base | XXX | XXX | XXX |  | Property Type | Condo | Single Family Attached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450960 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450960 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450960 | Base | XXX | XXX | XXX |  | Original CLTV |  | 84.57831 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450960 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450960 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452450960 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 38 | 16.96223 | Reflects source documents |  |  |
| 6452449991 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449991 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449991 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449991 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449772 | Base | XXX | XXX | XXX |  | City | XXX | XXX | Field Value reflects City per Note |  |  |
| 6452449772 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449772 | Base | XXX | XXX | XXX |  | Original P&I | 2444.71 | 2450.32 | Field Value reflects Note value |  |  |
| 6452449772 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449772 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449772 | Base | XXX | XXX | XXX |  | Refi Purpose |  | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449772 | Base | XXX | XXX | XXX |  | Original CLTV |  | 79.72414 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450696 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450696 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450696 | Base | XXX | XXX | XXX |  | Original CLTV |  | 85.88083 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452450696 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450634 | Base | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450634 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450634 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450634 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450634 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450810 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450810 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452450810 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Broker per loan applications in file |  |  |
| 6452450810 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450810 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 16 | 20.91205 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452450184 | Base | XXX | XXX | XXX |  | Occupancy | Second Home | Primary | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452450184 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450184 | Base | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450184 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450184 | Base | XXX | XXX | XXX |  | Original LTV | 9 | 90 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |  |  |
| 6452450184 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow without Delegated UW | Field Value reflects Correspondent w/delegated underwriter per Bailee Letter, Note, Application and Approval in file |  |  |
| 6452450113 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450113 | Base | XXX | XXX | XXX |  | Original P&I | 2655.12 | 2645.32 | Field Value reflects Note value |  |  |
| 6452450113 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450113 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450113 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450113 | Base | XXX | XXX | XXX |  | Original CLTV |  | 81.46214 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450113 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452450113 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 23 | 14.59443 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450118 | Base | XXX | XXX | XXX |  | Original P&I | 4216.05 | 4216.04 | Field Value reflects Note value |  |  |
| 6452450118 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450118 | Base | XXX | XXX | XXX |  | Original CLTV |  | 55.55556 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449994 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449994 | Base | XXX | XXX | XXX |  | Original P&I | 7565.12 | 11501.72 | Field Value reflects Note value |  |  |
| 6452449994 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Field Value reflects the Purpose per the Approval/AUS |  |  |
| 6452449994 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects doc Type reflected on the Approval/AUS |  |  |
| 6452449994 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Floor | 2 | 1 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452449994 | Base | XXX | XXX | XXX |  | Interest Rate Periodic Cap | 2 | 1 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452449994 | Base | XXX | XXX | XXX |  | Original CLTV |  | 70 | Tape Value is rounded and within less than 1% of actual calculated CLTV |  |  |
| 6452449647 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449647 | Base | XXX | XXX | XXX |  | Original CLTV |  | 51.84211 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452449647 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 19 | 21.26697 | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |  |  |
| 6452450936 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450936 | Base | XXX | XXX | XXX |  | Original CLTV |  | 92.19231 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452450936 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450936 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452449905 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449905 | Base | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449905 | Base | XXX | XXX | XXX |  | Original LTV | 8 | 80 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449457 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449457 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Unable to verify due to missing information |  |  |
| 6452449457 | Base | XXX | XXX | XXX |  | Original LTV | 9 | 90 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449457 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449457 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Unable to verify due to missing information |  |  |
| 6452449457 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 31 | 38.93982 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450540 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450540 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Field Value reflects Correspondent w/delegated underwriter per Bailee Letter, Note, Application and Approval in file |  |  |
| 6452450540 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Per MI Cert |  |  |
| 6452450540 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 33 | 42.99269 | DTI per Lender's 1008 is 40.913% and has higher qualifying income than verified base salary which matches the final 1003 values in file making the actual DTI 42.99269% and within 3% of the Lender's approved DTI. |  |  |
| 6452449770 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449770 | Base | XXX | XXX | XXX |  | Original CLTV |  | 92 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449770 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow with Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449770 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450729 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450729 | Base | XXX | XXX | XXX |  | Original P&I | 6492.17 | 6358.94 | Field Value reflects Note value |  |  |
| 6452450729 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450729 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450729 | Base | XXX | XXX | XXX |  | Refi Purpose |  | Cash-out - Home Improvement | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450729 | Base | XXX | XXX | XXX |  | Original CLTV |  | 78.45188 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450729 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 27 | 22.36647 | Unable to verify due to missing information |  |  |
| 6452449698 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449698 | Base | XXX | XXX | XXX |  | Original P&I | 6621.21 | 6600.53 | Field Value reflects Note value |  |  |
| 6452449698 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449698 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449698 | Base | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449698 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 39 | 42.52631 | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |  |  |
| 6452449997 | Base | XXX | XXX | XXX |  | City | XXX | XXX | Field Value reflects City per Note |  |  |
| 6452449997 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449997 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449997 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449997 | Base | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449997 | Base | XXX | XXX | XXX |  | Original CLTV |  | 86.78571 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449997 | Base | XXX | XXX | XXX |  | Origination Channel | Retail | Correspondent Flow with Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449997 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 16 | 18.90802 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450476 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450476 | Base | XXX | XXX | XXX |  | Original P&I | 2601.55 | 2580.70 | Field Value reflects Note value |  |  |
| 6452450476 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450476 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450476 | Base | XXX | XXX | XXX |  | Original CLTV |  | 76.00188 | Tape Value reflects the LTV value |  |  |
| 6452450476 | Base | XXX | XXX | XXX |  | Original LTV | 64 | 76.00188 | Tape Value reflects the CLTV value |  |  |
| 6452450282 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450282 | Base | XXX | XXX | XXX |  | Original P&I | 6192.57 | 6181.84 | Field Value reflects Note value |  |  |
| 6452450282 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450282 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450282 | Base | XXX | XXX | XXX |  | Refi Purpose |  | Limited Cash-out GSE | Loan is for renovation. |  |  |
| 6452450282 | Base | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449116 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449116 | Base | XXX | XXX | XXX |  | Original P&I | 10664.41 | 10502.61 | Field Value reflects Note value |  |  |
| 6452449116 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449116 | Base | XXX | XXX | XXX |  | Original CLTV |  | 73.43824 | Unable to verify due to missing information |  |  |
| 6452450746 | Base | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450746 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450746 | Base | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450746 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450746 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 29 | 31.13744 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449152 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449152 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449573 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | PUD Attached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449573 | Base | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452449573 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449573 | Base | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449573 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449573 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 40 | 37.04177 | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |  |  |
| 6452450467 | Base | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452450467 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450467 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451213 | Base | XXX | XXX | XXX |  | Representative FICO | 800 | 771 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452451213 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451213 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 30.38 | 61.8875 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449761 | Base | XXX | XXX | XXX |  | Representative FICO | 751 | 738 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449761 | Base | XXX | XXX | XXX |  | Doc Type | Full | Asset Depletion | Field Value reflects documentation located in origination file |  |  |
| 6452449425 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449425 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 43.576 | 46.79398 | Correctly updated as per document |  |  |
| 6452449893 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449893 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Month CMT (Weekly) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449158 | Base | XXX | XXX | XXX |  | Original P&I | 841.61 | 1398.45 | Field Value reflects Note value |  |  |
| 6452449158 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449158 | Base | XXX | XXX | XXX |  | First Interest Rate Change Date | 2027-11-XX | 2024-11-XX | Field Value reflects 'Interest Rate First Change Date' per the Note |  |  |
| 6452449158 | Base | XXX | XXX | XXX |  | Next Interest Rate Change Date | 2027-11-XX | 2025-11-XX | Field Value reflects 'Interest Rate Next Change Date' per the Note |  |  |
| 6452449158 | Base | XXX | XXX | XXX |  | Next Payment Change Date | 2027-12-XX | 2025-12-XX | Field Value reflects 'Payment Next Change Date' per the Note |  |  |
| 6452450262 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449344 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449344 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450920 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450920 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450920 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450920 | Base | XXX | XXX | XXX |  | First Interest Rate Change Date | 2027-01-XX | 2027-01-XX | Field Value reflects 'Interest Rate First Change Date' per the Note |  |  |
| 6452450920 | Base | XXX | XXX | XXX |  | Next Interest Rate Change Date | 2027-01-XX | 2027-01-XX | Field Value reflects 'Interest Rate Next Change Date' per the Note |  |  |
| 6452450920 | Base | XXX | XXX | XXX |  | Next Payment Change Date | 2027-02-XX | 2027-02-XX | Field Value reflects 'Payment Next Change Date' per the Note |  |  |
| 6452450318 | Base | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450318 | Base | XXX | XXX | XXX |  | City | XXX | XXX | Field Value reflects City per Note |  |  |
| 6452450318 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450318 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450318 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 40.127 | 49.89621 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450021 | Base | XXX | XXX | XXX |  | Representative FICO | 804 | 797 | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |  |  |
| 6452450021 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value reflects the Approval/AUS in file. |  |  |
| 6452450021 | Base | XXX | XXX | XXX |  | Doc Type | Full | 12mo Bank Statement | Field Value reflects documentation located in origination file |  |  |
| 6452451095 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451095 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452451095 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 27.099 | 35.38929 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449197 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449197 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450133 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450537 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450537 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects doc Type reflected on the Approval/AUS |  |  |
| 6452449146 | Base | XXX | XXX | XXX |  | Representative FICO | 791 | 740 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449146 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449146 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450506 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449273 | Base | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452449273 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449273 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449273 | Base | XXX | XXX | XXX |  | Doc Type | Full | Asset Depletion | Field Value reflects documentation located in origination file |  |  |
| 6452449579 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 3 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449579 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449579 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449579 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 16.714 | 21.239 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452451044 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452451044 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449175 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449687 | Base | XXX | XXX | XXX |  | Representative FICO | 788 | 782 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449687 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449687 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449082 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449082 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449082 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 21.759 | 24.74769 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450224 | Base | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452450224 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449547 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449547 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449836 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449416 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449416 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 3 |  | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450864 | Base | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452450864 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450864 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450864 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 33.431 | 38.91195 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449809 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects doc Type reflected on the Approval/AUS |  |  |
| 6452450627 | Base | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452450627 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450627 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects doc Type reflected on the Approval/AUS |  |  |
| 6452450406 | Base | XXX | XXX | XXX |  | Representative FICO | 802 | 797 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450406 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 3 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450406 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450406 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449160 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449160 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450967 | Base | XXX | XXX | XXX |  | Original P&I | 814.71 | 1061.43 | Field Value reflects Note value |  |  |
| 6452450967 | Base | XXX | XXX | XXX |  | Representative FICO | 761 | 745 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450967 | Base | XXX | XXX | XXX |  | Doc Type | Full | Asset Depletion | Field Value reflects documentation located in origination file |  |  |
| 6452450258 | Base | XXX | XXX | XXX |  | Doc Type | Full | Asset Depletion | Field Value reflects documentation located in origination file |  |  |
| 6452450116 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450116 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 17.627 | 20.2472 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450040 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 3 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450040 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449339 | Base | XXX | XXX | XXX |  | Representative FICO | 790 | 716 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449339 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 3 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449339 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449339 | Base | XXX | XXX | XXX |  | Doc Type | Full | Asset Depletion | Field Value reflects documentation located in origination file |  |  |
| 6452449339 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 21.115 | 17.82424 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452451122 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452451122 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451078 | Base | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452451078 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452451078 | Base | XXX | XXX | XXX |  | Doc Type | Full | Asset Depletion | Field Value reflects documentation located in origination file |  |  |
| 6452449094 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449094 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449355 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450369 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450369 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 47.564 | 43.86475 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450873 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450873 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452451204 | Base | XXX | XXX | XXX |  | Representative FICO | 763 | 710 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452451204 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451204 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 44.176 | 47.62605 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449223 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449803 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449803 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 37.598 | 33.22266 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449142 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects doc Type reflected on the Approval/AUS |  |  |
| 6452449142 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 33.648 | 37.4737 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452451038 | Base | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452451038 | Base | XXX | XXX | XXX |  | Representative FICO | 779 | 778 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452451038 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 3 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452451038 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449826 | Base | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452449826 | Base | XXX | XXX | XXX |  | City | XXX | XXX | Field Value reflects City per Note |  |  |
| 6452449826 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449826 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449826 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449826 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 38.454 | 49.86628 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449028 | Base | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452449028 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449028 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Approval/AUS |  |  |
| 6452449028 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects doc Type reflected on the Approval/AUS |  |  |
| 6452449723 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450169 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450169 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450169 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449289 | Base | XXX | XXX | XXX |  | Representative FICO | 772 | 743 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449289 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449289 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 52.657 | 43.74477 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449662 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449662 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449988 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449988 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449037 | Base | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452449037 | Base | XXX | XXX | XXX |  | Representative FICO | 807 | 796 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449037 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449040 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects doc Type reflected on the Approval/AUS |  |  |
| 6452449890 | Base | XXX | XXX | XXX |  | Original P&I | 4674.20 | 6755.26 | Field Value reflects Note value |  |  |
| 6452449890 | Base | XXX | XXX | XXX |  | Representative FICO | 773 | 710 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449890 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450874 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450874 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 29.781 | 17.69969 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450152 | Base | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452450152 | Base | XXX | XXX | XXX |  | Representative FICO | 705 | 694 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450152 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450152 | Base | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452450152 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450785 | Base | XXX | XXX | XXX |  | Representative FICO | 807 | 743 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450785 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450785 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 37.733 | 33.83881 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450572 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects doc Type reflected on the Approval/AUS |  |  |
| 6452450639 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450639 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 21.888 | 17.2574 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452451157 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452451157 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451157 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 30.237 | 41.24061 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450227 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450227 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 21.095 | 17.64813 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450395 | Base | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452450395 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450395 | Base | XXX | XXX | XXX |  | Original CLTV |  | 87.5 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450395 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450551 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | PUD Attached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450551 | Base | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452450551 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450551 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | Prime (WSJ) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450551 | Base | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452450551 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450551 | Base | XXX | XXX | XXX |  | Interest Rate Life Max | 7.875 | 8.5 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452450551 | Base | XXX | XXX | XXX |  | Original CLTV |  | 75.7764 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450551 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 46 | 43.25442 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449127 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449127 | Base | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449127 | Base | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449127 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449740 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449740 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449740 | Base | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449740 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450850 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450850 | Base | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450850 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 38 | 29.70726 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450856 | Base | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450856 | Base | XXX | XXX | XXX |  | Original P&I | 2745.64 | 3351.98 | Field Value reflects Note value |  |  |
| 6452450856 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Approval/AUS |  |  |
| 6452450856 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450856 | Base | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower not receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450856 | Base | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452450856 | Base | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452449071 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449071 | Base | XXX | XXX | XXX |  | Index Type |  | SOFR 30 Day Average | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449071 | Base | XXX | XXX | XXX |  | Original CLTV |  | 95 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449071 | Base | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452449071 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 44 | 47.49772 | Matching with Lender's DTI as per 1008 |  |  |
| 6452450828 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449887 | Base | XXX | XXX | XXX |  | Property Type | Single Family Detached | PUD | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449887 | Base | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452449887 | Base | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449887 | Base | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449887 | Base | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 36.085 | 30.02868 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450312 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449253 | Base | XXX | XXX | XXX |  | Representative FICO | 800 | 671 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449253 | Base | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451055 | Base | XXX | XXX | XXX |  | Interest Rate Life Min | 3 |  | Field Value reflects 'Interest Rate Life Minimum' per the ARM rider |  |  |

---

## Exhibit 99.1

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Base/Upsize** | **LOANID** | **LOANID2** | **LOANUID** | **SLOANID** | **First Payment Date** | **Data Cutoff Date** | **Pay History Scope** | **Pay History Summary (MBA)** | **Months of Data Missing During Lookback** | **Delinquency During Lookback** |
| 6452450295 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 06/30/2015 | 24 | 100111100001000000000000 | 0 | 6 |
| 6452449604 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 06/30/2015 | 24 | 000011111100000000000000 | 0 | 6 |
| 6452449020 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 01/19/2016 | 24 | 000000000055432214321100 | 0 | 12 |
| 6452449524 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 04/30/2016 | 24 | 011100010011103214432332 | 0 | 17 |
| 6452450823 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 06/30/2016 | 24 | 000000000000000000099999 | 0 | 5 |
| 6452451128 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2017 | 24 | 000000000000000000999999 | 0 | 6 |
| 6452450691 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2017 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449354 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2017 | 24 | 111021121000000001000000 | 0 | 9 |
| 6452450356 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 04/30/2017 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450518 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 05/31/2017 | 24 | 000000000000000010000000 | 0 | 1 |
| 6452450004 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 05/31/2017 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449076 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 05/31/2017 | 24 | 111100000010210000100001 | 0 | 9 |
| 6452449307 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2018 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449245 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2018 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452451092 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 04/30/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450636 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 04/30/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450744 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 04/30/2018 | 24 | 000000000000100000000000 | 0 | 1 |
| 6452449404 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 09/30/2018 | 24 | 00000000000000000000000X | 1 | 0 |
| 6452449715 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449917 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450404 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000010000000000 | 0 | 1 |
| 6452449507 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000001000000001000000 | 0 | 2 |
| 6452449798 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450533 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000010000000000 | 0 | 1 |
| 6452450086 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449816 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 010111010000000000000000000011110000 | 0 | 9 |
| 6452449511 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000210009999999999 | 0 | 12 |
| 6452450076 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450919 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449529 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449745 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449375 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451178 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450582 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451150 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449385 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449407 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2019 | 36 | 000000000100000000000000000000000000 | 0 | 1 |
| 6452450466 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2019 | 36 | 000000000000000111000000000000000000 | 0 | 3 |
| 6452450685 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 09/30/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450534 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450955 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 24 | 000000001000121210000000 | 0 | 6 |
| 6452450825 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 24 | 000010001110010010000000 | 0 | 6 |
| 6452449357 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2020 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449491 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2020 | 24 | 000000000000000022211100 | 0 | 6 |
| 6452449578 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450841 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000011 | 0 | 2 |
| 6452450923 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450410 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449793 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449518 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449779 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449878 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449596 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450397 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000445454321000000000 | 0 | 9 |
| 6452450771 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000001000000000 | 0 | 1 |
| 6452449597 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000100100021101000000101000011000 | 0 | 10 |
| 6452450618 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000009999999999999999999 | 0 | 19 |
| 6452450532 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000022221100000000001010000000000 | 0 | 8 |
| 6452450914 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000666555554432100000000 | 0 | 13 |
| 6452451186 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450875 | Base | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000001110111000111011110100000 | 0 | 14 |
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---

## Exhibit 99.1

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Base/Upsize** | **LOANID** | **LOANID2** | **SLOANID** | **Final Current Event Level** | **Current Exceptions** | **Servicing Comments** | **Status Date** | **Last Action Date per Servicer** |
| 6452449604 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION:<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> EXIT STRATEGY: | 05/28/2015 | 05/28/2015 |
| 6452449524 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: | 04/15/2016 | 04/21/2016 |
| 6452449917 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to make a payment by phone. Representative provided the borrower with the principal balance information, next due payment, current interest rate, and escrow balance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 11/15/2018 |
| 6452450404 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 10/24/2018 |
| 6452449507 | Base | XXXX | XXXX | XXXX | 3 | [3] MI Not Being Paid As Required | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Outbound call was placed to borrower to collect total amount due on loan. Borrower advised that they will make payment in the amount of $X.XX to be processed on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 11/14/2018 |
| 6452449798 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower was asking about the payment increase and was explained that it was due to the interest rate increase.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Manual retouch review shows no borrower contact between XX/XX/XXXX and XX/XX/XXXX. Skip trace done on XX/XX/XXXX. XXX Proactive Recast solicitation was sent on XX/XX/XXXX and XX/XX/XXXX. XXX and XXX Step Rate Reset Notification letter mailed on XX/XX/XXXX. | 12/31/2018 | 07/21/2018 |
| 6452450533 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Comments from XX/XX/XXXX indicate borrower dissatisfied that online payment did not go through. Servicer assisted borrower in completing payment over the phone and waived fee.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 09/17/2018 |
| 6452450086 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Provided borrower with information on the tax bill that was paid.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 10/05/2018 |
| 6452449816 | Base | XXXX | XXXX | XXXX | 3 | [3] MI Not Being Paid As Required | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in verified account. Account is owner occupied. Promise to pay $X.XX effective XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 12/24/2018 |
| 6452449511 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower was asked about payment and borrower was under impression that the payment was already made or scheduled. Borrower was advised that there is a payment scheduled for today in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 03/26/2018 |
| 6452450076 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 09/30/2018 |
| 6452450919 | Base | XXXX | XXXX | XXXX | 1 | [1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower inquiry in regards to insurance information on the account. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 11/20/2018 |
| 6452449529 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 05/14/2018 |
| 6452449745 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Next payment due information, current interest rate and escrow balance information provided.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 07/19/2018 |
| 6452449375 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in with questions regarding the recast modification document received in the mail.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 10/01/2018 |
| 6452451178 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called on XX/XX/XXXX regarding the insurance claim and check for XXX damages. The claim was later closed after funds released, and necessary documents for the claim were received.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 08/03/2018 |
| 6452450582 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 06/05/2018 |
| 6452449578 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower advised that they changed carriers and received refund from their old carrier. The borrower verified new policy information and advised that payment was made, provided date with amount. The agent gave the borrower options to send the refund.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 08/12/2019 |
| 6452450841 | Base | XXXX | XXXX | XXXX | 3 | [3] MI Not Being Paid As Required | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in regards to a letter recently received. The borrower stated property had suffered some damage; agent advised borrower to contact their insurance company to report damage and call servicer back to learn about the claim process.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/17/2019 |
| 6452449793 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Loan is performing and there is minimal contact with borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 08/13/2019 |
| 6452450923 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called the borrower advised that with an added tax bill the escrow payment will increase but will not affect the modification terms.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 08/21/2019 |
| 6452449779 | Base | XXXX | XXXX | XXXX | 3 | [3] MI Not Being Paid As Required | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower processed a payment in the amount of $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/30/2019 |
| 6452449596 | Base | XXXX | XXXX | XXXX | 3 | [3] MI Not Being Paid As Required | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in for refinance questions<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/18/2019 |
| 6452449878 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in regarding escrow analysis. The agent generated a new escrow analysis due to insurance update.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 10/14/2019 |
| 6452450410 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Third party called and was transferred to customer service to discuss general loan modification questions. Call was interrupted due to other call.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 02/01/2019 |
| 6452449518 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/14/2019 |
| 6452450817 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower request for XXXX XXX to be provided via email.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 08/16/2019 |
| 6452449597 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in regarding XX days past due showing on credit report and wanted to know if it could be amended.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 12/04/2019 |
| 6452450532 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX, the borrower called and scheduled a payment over the phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 10/10/2019 |
| 6452450771 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The last contact with the borrower was on XX/XX/XXXX to collect previous insurance information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/30/2019 |
| 6452450618 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower contact stated rfd: tenant not paying.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 10/17/2019 |
| 6452450914 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in a promise to pay.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: XX/XX/XXXX-The property was located in a XXX declared disaster area due to XXX. XXX, XXX, XXX & XXX damages were reported and no claim was filed. A drive by inspection has been done. XX/XX/XXXX- The property was located in a XXX declared disaster area due to XXX. No damages were reported. | 12/31/2019 | 09/11/2019 |
| 6452450821 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Collection comments indicated borrower called and had questions about the here program payment. Conferenced in customer service to assist with the questions regarding the late fee assessment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/06/2019 |
| 6452450397 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized 3rd party called to decline mod offer on behalf of borrower. Agent advised that the borrowers themselves would have to call and decline.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Disaster first mentioned XX/XX/XXXX. | 12/31/2019 | 10/11/2019 |
| 6452450875 | Base | XXXX | XXXX | XXXX | 1 | [1] Verbal Dispute - Servicer responded and appears issue is closed | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The customer made a payment of $X.XX.<br> EVIDENCE OF DISPUTE: Evidence of borrower dispute dated XX/XX/XXXX. The dispute type is Verbal and the reason is Payment Dispute. The dispute is resolved and the status indicates Servicer responded and appears issue is closed. XX/XX/XXXX Commentary states payment dispute. Borrower stated payment was made. Borrower was advise payment made was short due to increase of escrows and Modification interest rate. Borrower made a promise to pay and dispute was resolved.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is non-owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 12/18/2019 |
| 6452451186 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to discuss the year end statement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 12/03/2019 |
| 6452449316 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to make a payment. Advised borrower of system maintenance issue and to mail in the payment. Provided mailing address.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: XX/XX/XXXX Natural disaster occurred due to XXX. Comment on XX/XX/XXXX reflects damage from XXX on XXX and XXX. Damage was resolved and claim was classified as non-monitored on XX/XX/XXXX. | 12/31/2019 | 08/05/2019 |
| 6452450045 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made a payment in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: Commentary dated XX/XX/XXXX reflects that the property was located in a XXX disaster area affected by XXX. No property damage was reported. | 12/31/2019 | 09/19/2019 |
| 6452449120 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made a promise to pay on XX/XX/XXXX in the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 07/12/2019 |
| 6452449644 | Base | XXXX | XXXX | XXXX | 3 | [3] Cease and Desist Request Received From Mortgagor or 3rd Party | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower verbally opted out of Loss Mit review process.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 05/17/2019 |
| 6452450525 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and was advised of total amount due. Borrower made a promise to pay $X.XX on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/28/2019 |
| 6452449226 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower made a payment .<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/17/2019 |
| 6452449967 | Base | XXXX | XXXX | XXXX | 3 | [3] MI Not Being Paid As Required | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower disaster follow up call completed, loan has been returned to normal.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: XXX disaster was declared in XXX for XXX with declaration code XXX. XXX declaration date was XX/XX/XXXX and incident occurred from XX/XX/XXXX to XX/XX/XXXX. No damage was noted. | 12/31/2019 | 09/26/2019 |
| 6452450401 | Base | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called in to inquire about escrows on the account and was advised of account current status. Borrower did not want to modify and/or extend the loan and rejected mortgage assistance.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: This property is located in a disaster area designated by XXX. XXX (XXX) declared on XX/XX/XXXX. There was no mention of damages. | 12/31/2019 | 07/25/2019 |
| 6452449495 | Base | XXXX | XXXX | XXXX | 3 | [3] Damaged/Occupied/XXX - Damage remains unresolved and no indication covered by insurance | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower declined the modification due to would add escrow and raise the payment.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. The borrower reported damage on XX/XX/XXXX due to XXX. No evidence a claim was filed or the repairs completed. No further status updates provided. Property repairs have not started. The property condition is UTD. The current occupancy status is occupied-UTD.<br> ADDITIONAL INFORMATION: The property is located in a XXX disaster zone due to XXX on XX/XX/XXXX. | 12/31/2019 | 12/09/2019 |
| 6452450028 | Base | XXXX | XXXX | XXXX | 2 | [2] Currently Delinquent Mortgage | EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The next due and payment received dates are unavailable in the information provided.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Account inquiry. Requesting a XX-XX month extension.<br> REASON FOR DEFAULT: The reason for default is curtailment of income.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 03/31/2017 | 03/29/2017 |
| 6452450321 | Base | XXXX | XXXX | XXXX | 2 | [2] Currently Delinquent Mortgage | EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. called regarding mistake on modification.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 03/31/2017 | 06/05/2017 |
| 6452451133 | Base | XXXX | XXXX | XXXX | 3 | [3] Loan is in Foreclosure | EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is first legal/NOD.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> ADDITIONAL INFORMATION: N/A | 03/31/2017 | 06/05/2017 |
| 6452450141 | Base | XXXX | XXXX | XXXX | 1 |  | EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower advised employer is operational and Borrower is residing in XXX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 03/31/2017 | 06/06/2017 |

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## Exhibit 99.1

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| **Unique Loan ID** | **Base/Upsize** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Mod Comments** | **Borrower Name** | **Street** | **City** | **State** | **Zip** | **Mod Flag** | **Mod Doc Status** | **Mod Amortization Type** | **Total Amount Deferred** | **Mod UPB** | **Mod Principal Forgiven** | **Mod Amount Capitalized** | **Mod Deferred Balance** | **Mod Accruing UPB** | **Mod Date** | **Mod First Payment Date** | **Mod Maturity Date** | **Mod Original Term** | **Mod Amortization Term** | **Mod Original Interest Rate** | **Mod P&I** | **Mod P&I - Calculated** | **Mod Payment Frequency** | **Mod Interest Collection Type** | **Mod Interest Only?** | **Mod Interest Only Period** | **Mod Interest Only Period Expiration** | **Mod Balloon?** | **Mod Neg Am?** | **Mod Months Extended** | **Mod Neg Am Cap (% of UPB)** | **Principal Reduction Alternative** | **Balance Eligible** | **Principal Reduction Alt Amount** | **PRA Year 1 Anniversary Date** | **PRA Year 1 Reduction Amount** | **PRA Year 2 Anniversary Date** | **PRA Year 2 Reduction Amount** | **PRA Year 3 Anniversary Date** | **PRA Year 3 Reduction Amount** | **Mod Program Type** | **Mod Cure** | **Mod Teaser Rate** | **Mod Rate Change Frequency (Payments)** | **Mod Payment Change Frequency (Payments)** | **Mod First Interest Rate Change Date** | **Mod First Payment Change Date** | **Mod Next Interest Rate Change Date** | **Mod Next Payment Change Date** | **Mod Index Type / ARM Type** | **Mod Lookback Period** | **Mod Rounding Factor** | **Mod Rounding Method** | **Mod Initial Rate Cap** | **Mod Initial Rate Floor** | **Mod Initial Rate Maximum** | **Mod Initial Rate Minimum** | **Mod Life Rate Cap** | **Mod Life Rate Floor** | **Mod Life Rate Maximum** | **Mod Life Rate Minimum** | **Mod Periodic Rate Cap** | **Mod Periodic Rate Floor** | **Mod Margin** | **Step 1 Rate Change Date** | **Step 1 Payment Change Date** | **Step 1 Rate** | **Step 1 P&I** | **Step 1 # Payments** | **Step 2 Rate Change Date** | **Step 2 Payment Change Date** | **Step 2 Rate** | **Step 2 P&I** | **Step 2 # Payments** | **Step 3 Rate Change Date** | **Step 3 Payment Change Date** | **Step 3 Rate** | **Step 3 P&I** | **Step 3 # Payments** | **Step 4 Rate Change Date** | **Step 4 Payment Change Date** | **Step 4 Rate** | **Step 4 P&I** | **Step 4 # Payments** | **Step 5 Rate Change Date** | **Step 5 Payment Change Date** | **Step 5 Rate** | **Step 5 P&I** | **Step 5 # Payments** | **Step 6 Rate Change Date** | **Step 6 Payment Change Date** | **Step 6 Rate** | **Step 6 P&I** | **Step 6 # Payments** | **Step 7 Rate Change Date** | **Step 7 Payment Change Date** | **Step 7 Rate** | **Step 7 P&I** | **Step 7 # Payments** | **Step 8 Rate Change Date** | **Step 8 Payment Change Date** | **Step 8 Rate** | **Step 8 P&I** | **Step 8 # Payments** | **Step 9 Rate Change Date** | **Step 9 Payment Change Date** | **Step 9 Rate** | **Step 9 P&I** | **Step 9 # Payments** | **Step 10 Rate Change Date** | **Step 10 Payment Change Date** | **Step 10 Rate** | **Step 10 P&I** | **Step 10 # Payments** | **Mod Prepayment Penalty?** | **Mod Prepayment Penalty Period (months)** | **Mod Prepayment Penalty Percent Amount Year 1** | **Mod Prepayment Penalty Percent Amount Year 2** | **Mod Prepayment Penalty Percent Amount Year 3** | **Mod Prepayment Penalty Percent Amount Year 4** | **Mod Prepayment Penalty Percent Amount Year 5** | **Mod Prepayment Balance Allowance** | **Mod Prepayment Balance Type** | **Mod Hard Penalty Period (Months)** | **Mod Maximum Prepayment Penalty Amount** | **Mod Prepayment Penalty Enforcement** | **Mod Prepayment Penalty Expiration Date** | **Mod Prepayment Penalty Months Interest** | **Mod Stated Penalty Amount** | **Mod Prepayment Terms** | **Mod Extension Deferment?** | **Mod Extension Date** | **New Maturity Date** | **Mod Extension Months** | **Latest Mod Deferment Date** | **Number of Deferments** | **Total Mod Deferment Amount** |
| 6452449020 | Base | XXX | XXX | XXX |  | XXX | XXX | XXX | FL | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX |  | 3/XX/2015 | 4/XX/2015 | 2/XX/2050 | 419 | 419 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 166 |  | Yes | XXX | XXX | 11/XX/2015 | XXX | 11/XX/2016 | XXX | 11/XX/2017 | XXX | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2015 | 4/XX/2015 | 2.000% | XXX | 60 | 3/XX/2020 | 4/XX/2020 | 3.000% | XXX | 12 | 3/XX/2021 | 4/XX/2021 | 4.000% | XXX | 12 | 3/XX/2022 | 4/XX/2022 | 5.000% | XXX | 12 | 3/XX/2023 | 4/XX/2023 | 6.000% | XXX | 12 | 3/XX/2024 | 4/XX/2024 | 7.000% | XXX | 311 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1/XX/2008 | 2/XX/2050 |  |  |  | XXX |
| 6452449524 | Base | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  | Yes | Incomplete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 12/XX/2009 | 2/XX/2010 | 11/XX/2037 | 334 | 334 | 4.750% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 23 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2012 | 2/XX/2012 | 5.750% | XXX | 12 | 1/XX/2013 | 2/XX/2013 | 6.750% | XXX | 12 | 1/XX/2014 | 2/XX/2014 | 7.250% | XXX | 286 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450823 | Base | XXX | XXX |  |  |  | XXX | XXX | SC | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 12/XX/2014 | 1/XX/2015 | 10/XX/2016 | 22 | 135 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | Yes | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451128 | Base | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 8/XX/2015 | 8/XX/2015 | 7/XX/2045 | 360 | 360 | 5.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450691 | Base | XXX | XXX | XXX | XXX |  | XXX | XXX | DE | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2014 | 3/XX/2014 | 7/XX/2036 | 269 | 480 | 2.875% | XXX | XXX | Monthly | In Arrears | No |  |  | Yes | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2019 | 3/XX/2019 |  |  | 170 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449354 | Base | XXX | XXX |  | XXX |  | XXX | XXX | CA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 11/XX/2010 | 11/XX/2010 | 10/XX/2050 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 172 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/XX/2015 | 11/XX/2015 | 3.000% | XXX | 12 | 10/XX/2016 | 11/XX/2016 | 4.000% | XXX | 12 | 10/XX/2017 | 11/XX/2017 | 4.375% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450356 | Base | XXX | XXX |  |  |  | XXX | XXX | MO | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 11/XX/2016 | 12/XX/2016 | 11/XX/2050 | 408 | 408 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 222 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/XX/2017 | 12/XX/2017 | 4.250% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450518 | Base | XXX | XXX | XXX |  |  | XXX | XXX | IL | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 1/XX/2012 | 1/XX/2012 | 12/XX/2051 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12/XX/2016 | 1/XX/2017 | 3.000% | XXX | 12 | 12/XX/2017 | 1/XX/2018 | 4.000% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451092 | Base | XXX |  | XXX |  | XXX | XXX | XXX | WA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2015 | 6/XX/2015 | 5/XX/2055 | 480 | 480 | 3.375% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 332 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2020 | 6/XX/2020 | 3.625% | XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450636 | Base | XXX |  | XXX |  | XXX | XXX | XXX | NY | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 7/XX/2011 | 7/XX/2011 | 6/XX/2051 | 480 | 480 | 4.075% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 206 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2016 | 7/XX/2016 | 4.875% | XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450744 | Base | XXX |  | XXX |  | XXX | XXX | XXX | CA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 8/XX/2012 | 8/XX/2012 | 7/XX/2052 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 186 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2017 | 8/XX/2017 | 3.000% | XXX | 12 | 7/XX/2018 | 8/XX/2018 | 3.750% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449404 | Base | XXX | XXX | XXX |  |  | XXX | XXX | CA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2016 | 3/XX/2016 | 1/XX/2037 | 251 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | Yes | No | 0 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2021 | 3/XX/2021 | 3.000% | XXX | 12 | 2/XX/2022 | 3/XX/2022 | 4.000% | XXX | 179 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449715 | Base | XXX | XXX | XXX |  | XXX | XXX | XXX | NJ | XXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX |  | 3/XX/2013 | 4/XX/2013 | 3/XX/2036 | 276 | 276 | 4.250% | XXX |  | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451075 | Base | XXX | XXX | XXX |  |  | XXX | XXX | TX | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 11/XX/2008 | 12/XX/2008 | 9/XX/2031 | 274 | 274 | 6.625% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450745 | Base | XXX | XXX | XXX |  |  | XXX | XXX | MD | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2013 | 3/XX/2013 | 11/XX/2037 | 297 | 297 | 3.750% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449917 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 10/XX/2009 | 10/XX/2009 | 9/XX/2049 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 146 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/XX/2014 | 10/XX/2014 | 3.000% | XXX | 12 | 9/XX/2015 | 10/XX/2015 | 4.000% | XXX | 12 | 9/XX/2016 | 10/XX/2016 | 5.000% | XXX | 12 | 9/XX/2017 | 10/XX/2017 | 5.125% | XXX | 384 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450404 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 8/XX/2011 | 8/XX/2011 | 7/XX/2051 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 169 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2016 | 8/XX/2016 | 3.000% | XXX | 12 | 7/XX/2017 | 8/XX/2017 | 4.000% | XXX | 12 | 7/XX/2018 | 8/XX/2018 | 4.625% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449507 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 11/XX/2012 | 11/XX/2012 | 10/XX/2052 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 184 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/XX/2017 | 11/XX/2017 | 3.000% | XXX | 12 | 10/XX/2018 | 11/XX/2018 | 3.375% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449798 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2013 | 2/XX/2013 | 1/XX/2053 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 185 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2018 | 2/XX/2018 | 3.000% | XXX | 12 | 1/XX/2019 | 2/XX/2019 | 3.375% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450533 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 4/XX/2007 | 5/XX/2007 | 11/XX/2034 | 331 | 331 | 5.625% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450086 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 1/XX/2013 | 1/XX/2013 | 12/XX/2052 | 480 | 480 | 4.250% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 205 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449816 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 1/XX/2013 | 1/XX/2013 | 12/XX/2052 | 480 | 480 | 4.250% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 199 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449511 | Base | XXX | XXX | XXX | XXX |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2016 | 11/XX/2016 | 5/XX/2056 | 475 | 480 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 234 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450076 | Base | XXX | XXX | XXX | XXX |  |  |  |  |  | Yes | Missing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450919 | Base | XXX | XXX | XXX | XXX |  |  |  |  |  | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX | XXX | 7/XX/2013 | 12/XX/2013 | 6/XX/2053 | 475 | 480 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 196 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449529 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 4/XX/2014 | 4/XX/2014 | 3/XX/2054 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 203 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2019 | 4/XX/2019 | 3.000% | XXX | 12 | 3/XX/2020 | 4/XX/2020 | 4.000% | XXX | 12 | 3/XX/2021 | 4/XX/2021 | 4.375% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449745 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 4/XX/2001 | 5/XX/2001 | 4/XX/2031 | 360 | 360 | 7.875% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 187 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2003 | 5/XX/2003 | 8.875% | XXX | 336 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449375 | Base | XXX | XXX | XXX | XXX |  |  |  |  |  | Yes | Complete | GPM | XXX |  | XXX | XXX | XXX | XXX | 2/XX/2016 | 2/XX/2016 | 1/XX/2050 | 408 | 408 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 281 |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2017 | 2/XX/2017 | 5.000% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451178 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 7/XX/2013 | 7/XX/2013 | 6/XX/2053 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 236 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2018 | 7/XX/2018 | 3.000% | XXX | 12 | 6/XX/2019 | 7/XX/2019 | 3.750% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450582 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 9/XX/2001 | 11/XX/2001 | 10/XX/2031 | 360 | 360 | 9.125% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 206 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450466 | Base | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449385 | Base | XXX | XXX | XXX |  |  | XXX | XXX | FL | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 9/XX/2012 | 10/XX/2012 | 7/XX/2045 | 394 | 394 | 3.875% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 120 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449407 | Base | XXX | XXX | XXX |  |  | XXX | XXX | GA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 11/XX/2011 | 11/XX/2011 | 10/XX/2051 | 480 | 480 | 5.350% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 182 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/XX/2014 | 11/XX/2014 | 5.500% | XXX | 444 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451150 | Base | XXX | XXX | XXX |  |  | XXX | XXX | CA | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 1/XX/2015 | 1/XX/2015 | 12/XX/2044 | 360 | 360 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450685 | Base | XXX | XXX | XXX |  |  | XXX | XXX | NC | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2012 | 6/XX/2012 | 7/XX/2037 | 302 | 302 | 4.125% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449357 | Base | XXX | XXX |  |  |  |  | XXX | CT | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 1/XX/2007 | 2/XX/2007 | 5/XX/2035 | 340 | 340 | 7.100% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449307 | Base | XXX | XXX |  | XXX |  |  | XXX | IN | XXX | Yes |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 10/XX/2006 | 11/XX/2035 |  |  |  | XXX |
| 6452449578 | Base | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 11/XX/2007 | 12/XX/2007 | 11/XX/2037 | 360 | 360 | 7.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 111 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450841 | Base | XXX | XXX | XXX |  |  |  | XXX | FL |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2012 | 3/XX/2012 | 2/XX/2052 | 480 | 480 | 5.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 226 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449793 | Base | XXX | XXX | XXX |  |  |  | XXX | FL |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2013 | 6/XX/2013 | 4/XX/2040 | 323 | 323 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 75 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2018 | 6/XX/2018 | 3.000% | XXX | 12 | 5/XX/2019 | 6/XX/2019 | 3.375% | XXX | 251 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450923 | Base | XXX | XXX | XXX |  |  |  | XXX | CA |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 9/XX/2013 | 9/XX/2013 | 8/XX/2053 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 233 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8/XX/2018 | 9/XX/2018 | 3.000% | XXX | 12 | 8/XX/2019 | 9/XX/2019 | 4.000% | XXX | 12 | 8/XX/2020 | 9/XX/2020 | 4.375% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449779 | Base | XXX | XXX | XXX | XXX |  |  | XXX | LA |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 5/XX/2017 | 5/XX/2017 | 5/XX/2041 | 289 | 289 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 84 |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2018 | 5/XX/2018 | 5.000% | XXX | 277 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449596 | Base | XXX | XXX | XXX |  |  |  | XXX | NJ |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 8/XX/2013 | 8/XX/2013 | 1/XX/2035 | 258 | 258 | 2.375% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7/XX/2018 | 8/XX/2018 | 3.375% | XXX | 12 | 7/XX/2019 | 8/XX/2019 | 4.250% | XXX | 186 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449878 | Base | XXX | XXX | XXX |  |  |  | XXX | NY |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2013 | 2/XX/2013 | 1/XX/2053 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 214 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2018 | 2/XX/2018 | 3.000% | XXX | 12 | 1/XX/2019 | 2/XX/2019 | 3.375% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450410 | Base | XXX | XXX | XXX | XXX |  |  | XXX | CA |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 4/XX/2018 | 4/XX/2018 | 3/XX/2039 | 252 | 252 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 47 |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/XX/2018 | 12/XX/2018 | 4.125% | XXX | 244 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449518 | Base | XXX | XXX | XXX |  |  |  | XXX | LA |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 4/XX/2006 | 5/XX/2006 | 4/XX/2036 | 360 | 360 | 5.875% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 10 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450817 | Base | XXX | XXX | XXX |  |  |  | XXX | CA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2013 | 3/XX/2013 | 2/XX/2053 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 207 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2018 | 3/XX/2018 | 3.000% | XXX | 12 | 2/XX/2019 | 3/XX/2019 | 3.375% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449597 | Base | XXX | XXX | XXX |  |  |  | XXX | FL | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 9/XX/2010 | 9/XX/2010 | 8/XX/2050 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 176 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8/XX/2015 | 9/XX/2015 | 3.000% | XXX | 12 | 8/XX/2016 | 9/XX/2016 | 4.000% | XXX | 12 | 8/XX/2017 | 9/XX/2017 | 4.625% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450532 | Base | XXX | XXX | XXX |  |  |  | XXX | IL | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 7/XX/2019 | 7/XX/2019 | 6/XX/2059 | 480 | 480 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 279 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450771 | Base | XXX | XXX | XXX | XXX |  |  | XXX | CA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2017 | 4/XX/2017 | 3/XX/2051 | 408 | 408 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 179 |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/XX/2018 | 4/XX/2018 | 4.750% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450618 | Base | XXX | XXX | XXX |  |  |  | XXX | WA | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 9/XX/2018 | 9/XX/2018 | 8/XX/2058 | 480 | 480 | 4.375% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 265 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450914 | Base | XXX | XXX | XXX |  |  |  | XXX | FL | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 11/XX/2018 | 11/XX/2018 | 10/XX/2052 | 408 | 408 | 3.500% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 193 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450821 | Base | XXX | XXX | XXX |  |  |  | XXX | CA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 11/XX/2013 | 11/XX/2013 | 12/XX/2042 | 350 | 350 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 71 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10/XX/2018 | 11/XX/2018 | 3.000% | XXX | 12 | 10/XX/2019 | 11/XX/2019 | 4.000% | XXX | 12 | 10/XX/2020 | 11/XX/2020 | 4.500% | XXX | 266 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450397 | Base | XXX | XXX | XXX | XXX |  |  | XXX | FL | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 8/XX/2017 | 9/XX/2017 | 8/XX/2051 | 408 | 408 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 172 |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8/XX/2018 | 9/XX/2018 | 4.500% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450875 | Base | XXX | XXX | XXX |  |  |  | XXX | CA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 7/XX/2012 | 7/XX/2012 | 6/XX/2052 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 181 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6/XX/2017 | 7/XX/2017 | 3.000% | XXX | 12 | 6/XX/2018 | 7/XX/2018 | 3.750% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451186 | Base | XXX | XXX | XXX |  |  |  | XXX | CA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2013 | 6/XX/2013 | 5/XX/2053 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 192 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2018 | 6/XX/2018 | 3.000% | XXX | 12 | 5/XX/2019 | 6/XX/2019 | 3.375% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449316 | Base | XXX | XXX | XXX |  |  |  | XXX | FL | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 11/XX/2011 | 11/XX/2011 | 10/XX/2051 | 480 | 480 | 5.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 175 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5/XX/2018 | 1/XX/2052 | 3 |  |  | XXX |
| 6452450045 | Base | XXX | XXX | XXX |  |  |  | XXX | FL | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2012 | 2/XX/2012 | 1/XX/2052 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No |  |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2017 | 2/XX/2017 | 3.000% | XXX | 12 | 1/XX/2018 | 2/XX/2018 | 4.000% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 8/XX/2018 | 4/XX/2052 | 3 |  |  | XXX |
| 6452449120 | Base | XXX | XXX | XXX | XXX |  |  | XXX | CA | XXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX | XXX | 7/XX/2018 | 9/XX/2018 | 3/XX/2050 | 379 | 379 | 5.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 143 |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449644 | Base | XXX | XXX | XXX |  |  |  | XXX | NY | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 5/XX/2015 | 5/XX/2015 | 4/XX/2055 | 480 | 480 | 4.250% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450525 | Base | XXX | XXX | XXX |  |  |  | XXX | TX | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 1/XX/2014 | 1/XX/2014 | 12/XX/2053 | 480 | 480 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 141 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449226 | Base | XXX | XXX | XXX |  |  |  | XXX | IL | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 10/XX/2018 | 10/XX/2018 | 9/XX/2058 | 480 | 480 | 4.500% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 196 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449967 | Base | XXX | XXX | XXX | XXX |  |  | XXX | FL | XXX | Yes |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6/XX/2018 | 12/XX/2042 | 6 |  |  | XXX |
| 6452450401 | Base | XXX | XXX | XXX | XXX |  |  | XXX | FL | XXX | Yes |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5/XX/2018 | 2/XX/2033 | 3 |  |  | XXX |
| 6452449495 | Base | XXX | XXX | XXX | XXX |  |  | XXX | FL | XXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 6/XX/2018 | 4/XX/2043 | 5 |  |  | XXX |
| 6452450321 | Base | XXX | XXX |  |  |  |  | XXX | NJ | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 1/XX/2013 | 2/XX/2013 | 6/XX/2049 | 437 | 437 | 3.250% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 161 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450028 | Base | XXX | XXX |  |  |  |  | XXX | MD | XXX | Yes | Incomplete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 1/XX/2009 | 2/XX/2009 | 1/XX/2039 | 360 | 360 | 4.375% | XXX | XXX | Monthly | In Arrears | Yes | 87 | 4/XX/2016 | No | No | 33 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  | 12 | 12 | 1/XX/2012 | 2/XX/2012 | 1/XX/2018 | 2/XX/2018 | LIBOR - 1 Year (Daily) | 45 days | 0.125 | Nearest | 2.000% | 2.000% | 6.375% | 2.375% | 8.500% | 1.625% | 12.875% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451133 | Base | XXX | XXX |  |  |  |  | XXX | MO | XXX | Yes | Incomplete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2008 | 4/XX/2008 | 3/XX/2038 | 360 | 360 | 6.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 95 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 3/XX/2011 | 4/XX/2011 | 3/XX/2018 | 4/XX/2018 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 2.000% | 8.000% | 4.000% | 6.625% | 3.250% | 12.625% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450551 | Base | XXX | XXX |  | XXX | XXX | XXX | XXX | FL | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2021 | 7/XX/2021 | 3/XX/2048 | 321 | 321 | 2.875% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 6/XX/2028 | 7/XX/2028 | 6/XX/2028 | 7/XX/2028 | US Treasury - 1 Year CMT (Monthly) | 45 days | 0.125 | Nearest | 2.000% | 0.125% | 4.875% | 2.750% | 5.000% | 0.125% | 7.875% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450132 | Base | XXX | XXX |  | XXX | XXX | XXX | XXX | IL | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2021 | 6/XX/2021 | 11/XX/2049 | 342 | 342 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 5/XX/2031 | 6/XX/2031 | 5/XX/2031 | 6/XX/2031 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 0.250% | 5.000% | 2.750% | 5.000% | 0.250% | 8.000% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450428 | Base | XXX | XXX |  | XXX | XXX | XXX | XXX | IL | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2021 | 7/XX/2021 | 12/XX/2049 | 342 | 342 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 6/XX/2031 | 7/XX/2031 | 6/XX/2031 | 7/XX/2031 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 0.250% | 5.000% | 2.750% | 5.000% | 0.250% | 8.000% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449313 | Base | XXX | XXX |  | XXX | XXX | XXX | XXX | MN | XXX | Yes |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 11/XX/2049 |  | 9/XX/2020 | 1 | XXX |
| 6452450832 | Base | XXX | XXX |  | XXX | XXX | XXX | XXX | MO | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2021 | 6/XX/2021 | 12/XX/2049 | 343 | 343 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 5/XX/2031 | 6/XX/2031 | 5/XX/2031 | 6/XX/2031 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 0.250% | 5.000% | 2.750% | 5.000% | 0.250% | 8.000% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450202 | Base | XXX | XXX |  | XXX | XXX | XXX | XXX | OH | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2021 | 6/XX/2021 | 12/XX/2049 | 343 | 343 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 5/XX/2031 | 6/XX/2031 | 5/XX/2031 | 6/XX/2031 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 0.250% | 5.000% | 2.750% | 5.000% | 0.250% | 8.000% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451082 | Base | XXX | XXX |  | XXX | XXX | XXX | XXX | IL | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 7/XX/2021 | 7/XX/2021 | 1/XX/2050 | 343 | 343 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 6/XX/2031 | 7/XX/2031 | 6/XX/2031 | 7/XX/2031 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 0.250% | 5.000% | 2.750% | 5.000% | 0.250% | 8.000% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450456 | Base | XXX | XXX |  | XXX | XXX | XXX | XXX | IL | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 4/XX/2021 | 4/XX/2021 | 1/XX/2050 | 346 | 346 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 3/XX/2031 | 4/XX/2031 | 3/XX/2031 | 4/XX/2031 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 0.250% | 5.000% | 2.750% | 5.000% | 0.250% | 8.000% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451142 | Base | XXX | XXX |  | XXX | XXX | XXX | XXX | IL | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2021 | 2/XX/2021 | 2/XX/2050 | 349 | 349 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 1/XX/2031 | 2/XX/2031 | 1/XX/2031 | 2/XX/2031 |  |  |  |  | 5.000% | 0.250% | 8.000% | 2.750% | 5.000% | 0.250% | 8.000% | 2.750% | 2.000% | 2.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450018 | Base | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449772 | Base | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450184 | Base | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450113 | Base | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450729 | Base | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449698 | Base | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450476 | Base | XXX | XXX |  | XXX | XXX | XXX | XXX | MO | XXX | Yes | Incomplete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2024 | 6/XX/2024 | 6/XX/2052 | 337 | 337 | 3.750% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 227 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Construction to Perm |  |  |  | 6/XX/2029 | 7/XX/2029 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450282 | Base | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449116 | Base | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450856 | Base | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **SitusAMC Loan ID** | **TRUST** | **Collateral ID** | **FKID** | **Unique Loan ID** | **Base/Upsize** | **Target LP** | **Servicer Loan ID** | **Borrower Name** | **Co-Borrower** | **Property Address** | **City** | **State** | **Zipcode** | **County** | **Loan Amount** | **Origination Date** | **Search Date** | **Search Update Date** | **Mortgage Needed** | **Data Updated** | **TPOL to Review** | **Lien Position** | **Modification Flag** | **AOM Chain Issues Summary** | **Curr Loan Beneficiary** | **Vesting Issue** | **Judgments Before Target** | **Total Judgments Before Lien** | **Superlien State** | **HOA Superlien** | **HOA Amount** | **HOA Superliens with Consideration for Effective Dates and SOL** | **HOA Superlien Amount** | **Muni Lien** | **Muni Amount** | **Unknown HOA/Muni Lien Amt** | **TPOL Reviewed** | **Exception to Judgment Ahead of Lien or Prior Mtg** | **Specific Exceptions** | **TPOL Notes** | **Tax Cert Delinquent** | **Tax Delinquent Amount** | **Tax Delinq Amt Good Thru** | **Tax Sale** | **Tax Sold Amount** | **Tax Year Sold** | **Tax Delinq Detail** | **Notes** | **Type of Deed** | **Grantee** | **Grantor** | **Dated** | **Recorded** | **Rec Book** | **Rec Page** | **Rec Instrument #** | **1st MTG Amount** | **1st MTG Type** | **1st MTG Borrower** | **1st MTG Lender** | **1st MTG is Open Ended** | **1st MTG Dated** | **1st MTG Recorded** | **1st MTG Rec Book** | **1st MTG Rec Page** | **1st MTG Rec Instrument** | **1st MTG Maturity Date** | **1st MTG Notes** | **1st MTG is Subject** | **1st MTG 1st AOM From** | **1st MTG 1st AOM To** | **1st MTG 1st AOM Dated** | **1st MTG 1st AOM Recorded** | **1st MTG 1st AOM Rec Book** | **1st MTG 1st AOM Rec Page** | **1st MTG 1st AOM Rec Instrument** | **1st MTG 1st AOM Issues** | **1st MTG 1st AOM Chain Issue s** | **1st MTG 2nd AOM From** | **1st MTG 2nd AOM To** | **1st MTG 2nd AOM Dated** | **1st MTG 2nd AOM Recorded** | **1st MTG 2nd AOM Rec Book** | **1st MTG 2nd AOM Rec Page** | **1st MTG 2nd AOM Rec Instrument** | **1st MTG 2nd AOM Issues** | **1st MTG 2nd AOM Chain Issue s** | **1st MTG 3rd AOM From** | **1st MTG 3rd AOM To** | **1st MTG 3rd AOM Dated** | **1st MTG 3rd AOM Recorded** | **1st MTG 3rd AOM Rec Book** | **1st MTG 3rd AOM Rec Page** | **1st MTG 3rd AOM Rec Instrument** | **1st MTG 3rd AOM Issues** | **1st MTG 3rd AOM Chain Issue s** | **1st MTG 4th AOM From** | **1st MTG 4th AOM To** | **1st MTG 4th AOM Dated** | **1st MTG 4th AOM Recorded** | **1st MTG 4th AOM Rec Book** | **1st MTG 4th AOM Rec Page** | **1st MTG 4th AOM Rec Instrument** | **1st MTG 4th AOM Issues** | **1st MTG 4th AOM Chain Issue s** | **1st MTG 5th AOM From** | **1st MTG 5th AOM To** | **1st MTG 5th AOM Dated** | **1st MTG 5th AOM Recorded** | **1st MTG 5th AOM Rec Book** | **1st MTG 5th AOM Rec Page** | **1st MTG 5th AOM Rec Instrument** | **1st MTG 5th AOM Issues** | **1st MTG 5th AOM Chain Issue s** | **1st MTG 1st MOD From** | **1st MTG 1st MOD Dated** | **1st MTG 1st MOD Recorded** | **1st MTG 1st MOD Rec Book** | **1st MTG 1st MOD Rec Page** | **1st MTG 1st MOD Rec Instrument** | **1st MTG 1st MOD New Loan Amount** | **1st MTG 1st MOD Other Reason for MOD** | **1st MTG 2nd MOD From** | **1st MTG 2nd MOD Dated** | **1st MTG 2nd MOD Recorded** | **1st MTG 2nd MOD Rec Book** | **1st MTG 2nd MOD Rec Page** | **1st MTG 2nd MOD Rec Instrument** | **1st MTG 2nd MOD New Loan Amount** | **1st MTG 2nd MOD Other Reason for MOD** | **1st MTG 3rd MOD From** | **1st MTG 3rd MOD Dated** | **1st MTG 3rd MOD Recorded** | **1st MTG 3rd MOD Rec Book** | **1st MTG 3rd MOD Rec Page** | **1st MTG 3rd MOD Rec Instrument** | **1st MTG 3rd MOD New Loan Amount** | **1st MTG 3rd MOD Other Reason for MOD** | **2nd MTG Amount** | **2nd MTG Type** | **2nd MTG Borrower** | **2nd MTG Lender** | **2nd MTG is Open Ended** | **2nd MTG Dated** | **2nd MTG Recorded** | **2nd MTG Rec Book** | **2nd MTG Rec Page** | **2nd MTG Rec Instrument** | **2nd MTG Maturity Date** | **2nd MTG Notes** | **2nd MTG is Subject** | **2nd MTG 1st AOM From** | **2nd MTG 1st AOM To** | **2nd MTG 1st AOM Dated** | **2nd MTG 1st AOM Recorded** | **ID2nd MTG 1st AOM Rec Book** | **2nd MTG 1st AOM Rec Page** | **2nd MTG 1st AOM Rec Instrument** | **2nd MTG 1st AOM Issues** | **2nd MTG 1st AOM Chain Issue s** | **2nd MTG 2nd AOM From** | **2nd MTG 2nd AOM To** | **2nd MTG 2nd AOM Dated** | **2nd MTG 2nd AOM Recorded** | **2nd MTG 2nd AOM Rec Book** | **ID2nd MTG 2nd AOM Rec Page** | **2nd MTG 2nd AOM Rec Instrument** | **2nd MTG 2nd AOM Issues** | **2nd MTG 2nd AOM Chain Issue s** | **2nd MTG 3rd AOM From** | **2nd MTG 3rd AOM To** | **2nd MTG 3rd AOM Dated** | **2nd MTG 3rd AOM Recorded** | **2nd MTG 3rd AOM Rec Book** | **2nd MTG 3rd AOM Rec Page** | **2nd MTG 3rd AOM Rec Instrument** | **2nd MTG 3rd AOM Issues** | **2nd MTG 3rd AOM Chain Issue s** | **2nd MTG 4th AOM From** | **2nd MTG 4th AOM To** | **2nd MTG 4th AOM Dated** | **2nd MTG 4th AOM Recorded** | **2nd MTG 4th AOM Rec Book** | **2nd MTG 4th AOM Rec Page** | **2nd MTG 4th AOM Rec Instrument** | **2nd MTG 4th AOM Issues** | **2nd MTG 4th AOM Chain Issue s** | **2nd MTG 1st MOD From** | **2nd MTG 1st MOD Dated** | **2nd MTG 1st MOD Recorded** | **2nd MTG 1st MOD Rec Book** | **2nd MTG 1st MOD Rec Page** | **2nd MTG 1st MOD Rec Instrument** | **2nd MTG 1st MOD New Loan Amount** | **2nd MTG 1st MOD Other Reason for MOD** | **2nd MTG 2nd MOD From** | **2nd MTG 2nd MOD Dated** | **2nd MTG 2nd MOD Recorded** | **2nd MTG 2nd MOD Rec Book** | **2nd MTG 2nd MOD Rec Page** | **2nd MTG 2nd MOD Rec Instrument** | **2nd MTG 2nd MOD New Loan Amount** | **2nd MTG 2nd MOD Other Reason for MOD** | **3rd MTG Amount** | **3rd MTG Type** | **3rd MTG Borrower** | **3rd MTG Lender** | **3rd MTG is Open Ended** | **3rd MTG Dated** | **3rd MTG Recorded** | **3rd MTG Rec Book** | **3rd MTG Rec Page** | **3rd MTG Rec Instrument** | **3rd MTG Maturity Date** | **3rd MTG Notes** | **3rd MTG is Subject** | **3rd MTG 1st AOM From** | **3rd MTG 1st AOM To** | **3rd MTG 1st AOM Dated** | **3rd MTG 1st AOM Recorded** | **3rd MTG 1st AOM Rec Book** | **3rd MTG 1st AOM Rec Page** | **3rd MTG 1st AOM Rec Instrument** | **3rd MTG 1st AOM Issues** | **3rd MTG 1st AOM Chain Issue s** | **3rd MTG 2nd AOM From** | **3rd MTG 2nd AOM To** | **3rd MTG 2nd AOM Dated** | **3rd MTG 2nd AOM Recorded** | **3rd MTG 2nd AOM Rec Book** | **3rd MTG 2nd AOM Rec Page** | **3rd MTG 2nd AOM Rec Instrument** | **3rd MTG 2nd AOM Issues** | **3rd MTG 2nd AOM Chain Issue s** | **3rd MTG 3rd AOM From** | **3rd MTG 3rd AOM To** | **3rd MTG 3rd AOM Dated** | **3rd MTG 3rd AOM Recorded** | **3rd MTG 3rd AOM Rec Book** | **3rd MTG 3rd AOM Rec Page** | **3rd MTG 3rd AOM Rec Instrument** | **3rd MTG 3rd AOM Issues** | **3rd MTG 3rd AOM Chain Issue s** | **3rd MTG 1st MOD From** | **3rd MTG 1st MOD Dated** | **3rd MTG 1st MOD Recorded** | **3rd MTG 1st MOD Rec Book** | **3rd MTG 1st MOD Rec Page** | **3rd MTG 1st MOD Rec Instrument** | **3rd MTG 1st MOD New Loan Amount** | **3rd MTG 1st MOD Other Reason for MOD** | **3rd MTG 2nd MOD From** | **3rd MTG 2nd MOD Dated** | **3rd MTG 2nd MOD Recorded** | **3rd MTG 2nd MOD Rec Book** | **3rd MTG 2nd MOD Rec Page** | **3rd MTG 2nd MOD Rec Instrument** | **3rd MTG 2nd MOD New Loan Amount** | **3rd MTG 2nd MOD Other Reason for MOD** | **4th MTG Amount** | **4th MTG Type** | **4th MTG Borrower** | **4th MTG Lender** | **4th MTG is Open Ended** | **4th MTG Dated** | **4th MTG Recorded** | **4th MTG Rec Book** | **4th MTG Rec Page** | **4th MTG Rec Instrument** | **4th MTG Maturity Date** | **4th MTG Notes** | **4th MTG is Subject** | **4th MTG 1st AOM From** | **4th MTG 1st AOM To** | **4th MTG 1st AOM Dated** | **4th MTG 1st AOM Recorded** | **4th MTG 1st AOM Rec Book** | **4th MTG 1st AOM Rec Page** | **4th MTG 1st AOM Rec Instrument** | **4th MTG 1st AOM Issues** | **4th MTG 1st AOM Chain Issue s** | **4th MTG 1st MOD From** | **4th MTG 1st MOD Dated** | **4th MTG 1st MOD Recorded** | **4th MTG 1st MOD Rec Book** | **4th MTG 1st MOD Rec Page** | **4th MTG 1st MOD Rec Instrument** | **4th MTG 1st MOD New Loan Amount** | **4th MTG 1st MOD Other Reason for MOD** | **5th MTG Amount** | **5th MTG Type** | **5th MTG Borrower** | **5th MTG Lender** | **5th MTG is Open Ended** | **5th MTG Dated** | **5th MTG Recorded** | **5th MTG Rec Book** | **5th MTG Rec Page** | **5th MTG Rec Instrument** | **5th MTG Maturity Date** | **5th MTG Notes** | **5th MTG is Subject** | **5th MTG 1st AOM From** | **ID5th MTG 1st AOM To** | **5th MTG 1st AOM Dated** | **5th MTG 1st AOM Recorded** | **5th MTG 1st AOM Rec Book** | **5th MTG 1st AOM Rec Page** | **5th MTG 1st AOM Rec Instrument** | **5th MTG 1st AOM Issues** | **5th MTG 1st AOM Chain Issue s** | **5th MTG 1st MOD From** | **5th MTG 1st MOD Dated** | **5th MTG 1st MOD Recorded** | **5th MTG 1st MOD Rec Book** | **5th MTG 1st MOD Rec Page** | **5th MTG 1st MOD Rec Instrument** | **5th MTG 1st MOD New Loan Amount** | **5th MTG 1st MOD Other Reason for MOD** | **6th MTG Amount** | **6th MTG Type** | **6th MTG Borrower** | **6th MTG Lender** | **6th MTG is Open Ended** | **6th MTG Dated** | **6th MTG Recorded** | **6th MTG Rec Book** | **6th MTG Rec Page** | **6th MTG Rec Instrument** | **6th MTG Maturity Date** | **6th MTG Notes** | **6th MTG is Subject** | **6th MTG 1st AOM From** | **6th MTG 1st AOM To** | **6th MTG 1st AOM Dated** | **6th MTG 1st AOM Recorded** | **6th MTG 1st AOM Rec Book** | **6th MTG 1st AOM Rec Page** | **6th MTG 1st AOM Rec Instrument** | **6th MTG 1st AOM Issues** | **6th MTG 1st AOM Chain Issue s** | **6th MTG 1st MOD From** | **6th MTG 1st MOD Dated** | **6th MTG 1st MOD Recorded** | **6th MTG 1st MOD Rec Book** | **6th MTG 1st MOD Rec Page** | **6th MTG 1st MOD Rec Instrument** | **6th MTG 1st MOD New Loan Amount** | **6th MTG 1st MOD Other Reason for MOD** | **7th MTG Amount** | **7th MTG Type** | **7th MTG Borrower** | **7th MTG Lender** | **7th MTG is Open Ended** | **7th MTG Dated** | **ID7th MTG Recorded** | **7th MTG Rec Book** | **7th MTG Rec Page** | **7th MTG Rec Instrument** | **7th MTG Maturity Date** | **7th MTG Notes** | **7th MTG is Subject** | **1st Judgment Type** | **1st Judgment Against** | **1st Judgment In Favor Of** | **1st Judgment Amount** | **1st Judgment Dated** | **1st Judgment Recorded** | **1st Judgment Rec Book** | **1st Judgment Rec Page** | **1st Judgment Rec Instrument** | **2nd Judgment Type** | **2nd Judgment Against** | **2nd Judgment In Favor Of** | **2nd Judgment Amount** | **2nd Judgment Dated** | **2nd Judgment Recorded** | **2nd Judgment Rec Book** | **2nd Judgment Rec Page** | **2nd Judgment Rec Instrument** | **3rd Judgment Type** | **3rd Judgment Against** | **3rd Judgment In Favor Of** | **3rd Judgment Amount** | **3rd Judgment Dated** | **3rd Judgment Recorded** | **3rd Judgment Rec Book** | **3rd Judgment Rec Page** | **3rd Judgment Rec Instrument** | **4th Judgment Type** | **4th Judgment Against** | **4th Judgment In Favor Of** | **4th Judgment Amount** | **4th Judgment Dated** | **4th Judgment Recorded** | **4th Judgment Rec Book** | **4th Judgment Rec Page** | **4th Judgment Rec Instrument** | **5th Judgment Type** | **5th Judgment Against** | **5th Judgment In Favor Of** | **5th Judgment Amount** | **5th Judgment Dated** | **5th Judgment Recorded** | **5th Judgment Rec Book** | **5th Judgment Rec Page** | **5th Judgment Rec Instrument** | **6th Judgment Type** | **6th Judgment Against** | **6th Judgment In Favor Of** | **6th Judgment Amount** | **6th Judgment Dated** | **6th Judgment Recorded** | **6th Judgment Rec Book** | **6th Judgment Rec Page** | **6th Judgment Rec Instrument** | **7th Judgment Type** | **7th Judgment Against** | **7th Judgment In Favor Of** | **7th Judgment Amount** | **7th Judgment Dated** | **7th Judgment Recorded** | **7th Judgment Rec Book** | **7th Judgment Rec Page** | **7th Judgment Rec Instrument** | **8th Judgment Type** | **8th Judgment Against** | **8th Judgment In Favor Of** | **8th Judgment Amount** | **8th Judgment Dated** | **8th Judgment Recorded** | **8th Judgment Rec Book** | **8th Judgment Rec Page** | **8th Judgment Rec Instrument** | **9th Judgment Type** | **9th Judgment Against** | **9th Judgment In Favor Of** | **9th Judgment Amount** | **9th Judgment Dated** | **9th Judgment Recorded** | **9th Judgment Rec Book** | **9th Judgment Rec Page** | **9th Judgment Rec Instrument** | **10th Judgment Type** | **10th Judgment Against** | **10th Judgment In Favor Of** | **10th Judgment Amount** | **10th Judgment Dated** | **10th Judgment Recorded** | **10th Judgment Rec Book** | **10th Judgment Rec Page** | **10th Judgment Rec Instrument** | **11th Judgment Type** | **11th Judgment Against** | **11th Judgment In Favor Of** | **11th Judgment Amount** | **11th Judgment Dated** | **11th Judgment Recorded** | **11th Judgment Rec Book** | **11th Judgment Rec Page** | **11th Judgment Rec Instrument** | **12th Judgment Type** | **12th Judgment Against** | **12th Judgment In Favor Of** | **12th Judgment Amount** | **12th Judgment Dated** | **12th Judgment Recorded** | **12th Judgment Rec Book** | **12th Judgment Rec Page** | **12th Judgment Rec Instrument** | **13th Judgment Type** | **13th Judgment Against** | **13th Judgment In Favor Of** | **13th Judgment Amount** | **13th Judgment Dated** | **13th Judgment Recorded** | **13th Judgment Rec Book** | **13th Judgment Rec Page** | **13th Judgment Rec Instrument** | **14th Judgment Type** | **14th Judgment Against** | **14th Judgment In Favor Of** | **14th Judgment Amount** | **14th Judgment Dated** | **14th Judgment Recorded** | **14th Judgment Rec Book** | **14th Judgment Rec Page** | **14th Judgment Rec Instrument** | **15th Judgment Type** | **15th Judgment Against** | **15th Judgment In Favor Of** | **15th Judgment Amount** | **15th Judgment Dated** | **15th Judgment Recorded** | **15th Judgment Rec Book** | **15th Judgment Rec Page** | **15th Judgment Rec Instrument** | **16th Judgment Type** | **16th Judgment Against** | **16th Judgment In Favor Of** | **16th Judgment Amount** | **16th Judgment Dated** | **16th Judgment Recorded** | **16th Judgment Rec Book** | **16th Judgment Rec Page** | **16th Judgment Rec Instrument** | **17th Judgment Type** | **17th Judgment Against** | **17th Judgment In Favor Of** | **17th Judgment Amount** | **17th Judgment Dated** | **17th Judgment Recorded** | **17th Judgment Rec Book** | **17th Judgment Rec Page** | **17th Judgment Rec Instrument** | **18th Judgment Type** | **18th Judgment Against** | **18th Judgment In Favor Of** | **18th Judgment Amount** | **18th Judgment Dated** | **18th Judgment Recorded** | **18th Judgment Rec Book** | **18th Judgment Rec Page** | **18th Judgment Rec Instrument** | **19th Judgment Type** | **19th Judgment Against** | **19th Judgment In Favor Of** | **19th Judgment Amount** | **19th Judgment Dated** | **19th Judgment Recorded** | **19th Judgment Rec Book** | **19th Judgment Rec Page** | **19th Judgment Rec Instrument** | **20th Judgment Type** | **20th Judgment Against** | **20th Judgment In Favor Of** | **20th Judgment Amount** | **20th Judgment Dated** | **20th Judgment Recorded** | **20th Judgment Rec Book** | **20th Judgment Rec Page** | **20th Judgment Rec Instrument** | **21st Judgment Type** | **21st Judgment Against** | **21st Judgment In Favor Of** | **21st Judgment Amount** | **21st Judgment Dated** | **21st Judgment Recorded** | **21st Judgment Rec Book** | **21st Judgment Rec Page** | **21st Judgment Rec Instrument** | **22nd Judgment Type** | **22nd Judgment Against** | **22nd Judgment In Favor Of** | **22nd Judgment Amount** | **22nd Judgment Dated** | **22nd Judgment Recorded** | **22nd Judgment Rec Book** | **22nd Judgment Rec Page** | **22nd Judgment Rec Instrument** | **23rd Judgment Type** | **23rd Judgment Against** | **23rd Judgment In Favor Of** | **23rd Judgment Amount** | **23rd Judgment Dated** | **23rd Judgment Recorded** | **23rd Judgment Rec Book** | **23rd Judgment Rec Page** | **23rd Judgment Rec Instrument** | **24th Judgment Type** | **24th Judgment Against** | **24th Judgment In Favor Of** | **24th Judgment Amount** | **24th Judgment Dated** | **24th Judgment Recorded** | **ID24th Judgment Rec Book** | **24th Judgment Rec Page** | **24th Judgment Rec Instrument** | **1st Parcel ID** |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450466 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | NC | XXXX | XXXX | XXXX | 11/XX/05 | 07/25/2019 |  |  | 08/12/2019 | No | 1 | No | No AOMs Recorded | XXXX | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  | DUE DATE NOT AVAILABLE | DUE DATE NOT AVAILABLE | Warranty Deed | XXXX | XXXX | 12/XX/05 | 12/XX/05 | XXXX | XXXX |  | XXXX | Subject Mortgage | XXXX | XXXX |  | 11/XX/05 | 12/XX/05 | XXXX | XXXX |  |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449385 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 06/XX/05 | 07/25/2019 |  |  | 08/12/2019 | No | 1 | No | No AOMs Recorded | XXXX | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 07/XX/05 | 07/XX/05 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX |  | 06/XX/05 | 07/XX/05 | XXXX | XXXX | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449407 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | GA | XXXX | XXXX | XXXX | 07/XX/06 | 07/16/2019 |  |  | 08/12/2019 | No | 1 | No | No AOMs Recorded | XXXX | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 09/XX/18 | 09/XX/18 | XXXX | XXXX |  | XXXX | Subject Mortgage | XXXX | XXXX |  | 07/XX/06 | 07/XX/06 | XXXX | XXXX |  |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452451150 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 05/XX/04 | 07/17/2019 |  |  | 08/12/2019 | Yes | 2 | No | No AOMs Recorded | XXXX | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | N/A | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  |  |  | Other | XXXX | XXXX | 06/XX/07 | 06/XX/07 |  |  | XXXX | XXXX | Mortgage | XXXX | XXXX |  | 04/XX/04 | 04/XX/04 |  |  | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Subject Mortgage | XXXX | XXXX |  | 05/XX/04 | 05/XX/04 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450685 | Base | 1 |  | XXXX |  | XXXX | XXXX | NC | XXXX | XXXX | XXXX | 06/XX/07 | 11/01/2019 |  |  | 11/22/2019 | No | 1 | No | No AOMs Recorded | XXXX | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 12/XX/18 | 12/XX/18 | XXXX | XXXX |  | XXXX | Subject Mortgage | XXXX | XXXX |  | 06/XX/07 | 07/XX/07 | XXXX | XXXX |  |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX |  | 06/XX/07 | 07/XX/07 | XXXX | XXXX |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450534 | Base | 1 |  | XXXX |  | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 08/XX/09 | 02/18/2020 |  |  | 02/19/2020 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 02/XX/99 | 02/XX/99 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 08/XX/09 | 09/XX/09 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450955 | Base | 1 |  | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 04/XX/09 | 02/19/2020 |  |  | 02/19/2020 | No | 1 | No | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | Yes | XXXX | 04/XX/20 | No | $0.00 |  |  |  | Grant Deed | XXXX | XXXX | 07/XX/94 | 08/XX/94 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 04/XX/09 | 05/XX/09 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 10/XX/18 | 10/XX/18 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450825 | Base | 1 |  | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | 04/XX/04 | 02/21/2020 |  |  | 02/27/2020 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Grant Deed | XXXX | XXXX | 03/XX/02 | 05/XX/02 | XXXX | XXXX |  | XXXX | Subject Mortgage | XXXX | XXXX | No | 04/XX/04 | 04/XX/04 | XXXX | XXXX |  |  | XXXX | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449578 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | NC | XXXX | XXXX | XXXX | 11/XX/07 | 11/25/2019 |  |  | 12/11/2019 | No | 1 | No | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 07/XX/11 | 07/XX/11 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 07/XX/98 | 07/XX/98 | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 07/XX/08 | 09/XX/08 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 06/XX/13 | 08/XX/13 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | Yes | 08/XX/11 | 08/XX/11 | XXXX | XXXX | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 11/XX/09 | 11/XX/09 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450841 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 03/XX/03 | 11/02/2019 |  |  | 12/24/2019 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | Y - 1 | XXXX |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 04/XX/03 | 04/XX/03 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 03/XX/03 | 04/XX/03 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Utility Lien | XXXX | XXXX | XXXX | 11/XX/12 | 12/XX/12 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449793 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 12/XX/03 | 11/22/2019 |  |  | 12/11/2019 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 05/XX/05 | 05/XX/05 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 12/XX/03 | 12/XX/03 | XXXX | XXXX | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450923 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 02/XX/04 | 12/14/2019 |  |  | 12/24/2019 | Yes | 1 | No | No |  | No | Y - 1 | XXXX | No | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | No | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 06/XX/94 | 06/XX/94 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 02/XX/04 | 02/XX/04 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 02/XX/04 | 02/XX/04 |  |  | XXXX |  |  | XXXX | XXXX | 10/XX/12 | 11/XX/12 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 06/XX/06 | 07/XX/06 |  |  | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 11/XX/13 | 12/XX/13 |  |  | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 01/XX/02 | 04/XX/02 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 07/XX/07 | 10/XX/07 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 06/XX/11 | 08/XX/11 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 04/XX/14 | 05/XX/14 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 09/XX/15 | 09/XX/15 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449779 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | LA | XXXX | XXXX | XXXX | 04/XX/04 | 11/06/2019 |  |  | 12/24/2019 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Other | XXXX | XXXX | 10/XX/03 | 10/XX/03 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX |  | 04/XX/04 | 04/XX/04 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449596 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | 12/XX/04 | 10/15/2019 |  |  | 12/11/2019 | No | 1 | No | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | Unable to Complete | N/A |  | No | $0.00 |  | Tax Report Not Available | Tax Report Not Available | Other | XXXX | XXXX | 12/XX/04 | 01/XX/05 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 12/XX/04 | 01/XX/05 | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 10/XX/10 | 02/XX/11 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 01/XX/12 | 02/XX/12 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 06/XX/13 | 06/XX/13 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 04/XX/13 | 10/XX/13 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449878 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | NY | XXXX | XXXX | XXXX | 02/XX/05 | 11/23/2019 |  |  | 12/11/2019 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Other | XXXX | XXXX |  | 06/XX/99 | XXXX | XXXX |  | XXXX | Subject Mortgage | XXXX | XXXX |  | 02/XX/05 | 03/XX/05 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450410 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 03/XX/05 | 12/19/2019 |  |  | 01/10/2020 | Yes | 1 | No | No AOMs Recorded |  | No | Y - 1 = Unknown,2 = Unknown,3 = Unknown | Unknown | No | N/A | XXXX | N/A | N/A | N/A | N/A |  | Yes | No | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  |  |  | Grant Deed | XXXX | XXXX | 02/XX/05 | 03/XX/05 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 03/XX/05 | 03/XX/05 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Child Support Judgment | XXXX | XXXX | XXXX | 07/XX/93 | 09/XX/93 |  |  | XXXX | Other Judgment | XXXX | XXXX | XXXX | 10/XX/96 | 10/XX/96 |  |  | XXXX | Child Support Judgment | XXXX | XXXX | XXXX | 03/XX/04 | 04/XX/04 |  |  | XXXX | HOA Lien | XXXX | XXXX | XXXX | 05/XX/09 | 06/XX/09 |  |  | XXXX | Child Support Judgment | XXXX | XXXX | XXXX | 11/XX/10 | 12/XX/10 |  |  | XXXX | Child Support Judgment | XXXX | XXXX | XXXX | 03/XX/15 | 03/XX/15 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 10/XX/15 | 11/XX/15 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 12/XX/15 | 04/XX/16 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 04/XX/16 | 05/XX/16 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 06/XX/17 | 06/XX/17 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449518 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | LA | XXXX | XXXX | XXXX | 05/XX/05 | 12/19/2019 |  |  | 01/02/2020 | Yes | 2 | Yes | No AOMs Recorded |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | No | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  |  |  | Other | XXXX | XXXX | 10/XX/99 | 10/XX/99 | XXXX | XXXX | XXXX | XXXX | Mortgage | XXXX | XXXX | No | 03/XX/02 | 03/XX/02 | XXXX | XXXX | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Subject Mortgage | XXXX | XXXX | No | 05/XX/04 | 05/XX/04 | XXXX | XXXX | XXXX | 03/XX/35 |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 05/XX/05 | 06/XX/07 | XXXX | XXXX | XXXX | XXXX |  | XXXX | 04/XX/06 | 06/XX/07 | XXXX | XXXX | XXXX | XXXX |  | XXXX | Mortgage | XXXX | XXXX | No | 07/XX/06 | 08/XX/06 | XXXX | XXXX | XXXX | 03/XX/36 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450817 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 10/XX/05 | 11/20/2019 |  |  | 12/11/2019 | No | 1 | Yes | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 10/XX/05 | 10/XX/05 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 10/XX/05 | 10/XX/05 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 07/XX/12 | 07/XX/12 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 02/XX/13 | 03/XX/13 |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449597 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 11/XX/05 | 11/26/2019 |  |  | 12/24/2019 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 02/XX/04 | 09/XX/05 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 11/XX/05 | 11/XX/05 | XXXX | XXXX | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | Yes | 07/XX/05 | 12/XX/05 | XXXX | XXXX | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450532 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | IL | XXXX | XXXX | XXXX | 02/XX/06 | 09/30/2019 |  |  | 12/11/2019 | No | 1 | Yes | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 04/XX/03 | 05/XX/03 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 02/XX/06 | 03/XX/06 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 06/XX/15 | 07/XX/15 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 10/XX/15 | 11/XX/15 |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 08/XX/97 | 10/XX/97 | XXXX | XXXX | XXXX | 09/XX/27 |  | No | XXXX | XXXX | 08/XX/97 | 10/XX/97 | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | 03/XX/00 | 04/XX/00 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450771 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 03/XX/06 | 10/25/2019 |  |  | 12/24/2019 | No | 1 | No | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 10/XX/17 | 10/XX/17 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 03/XX/06 | 03/XX/06 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 01/XX/10 | 02/XX/10 |  |  | XXXX |  |  | XXXX | XXXX | 05/XX/10 | 09/XX/10 |  |  | XXXX |  |  | XXXX | XXXX | 09/XX/12 | 09/XX/12 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 06/XX/11 | 06/XX/11 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 04/XX/11 | 08/XX/11 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 09/XX/11 | 10/XX/11 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 09/XX/11 | 10/XX/11 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 01/XX/12 | 01/XX/12 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 01/XX/12 | 02/XX/12 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450618 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | WA | XXXX | XXXX | XXXX | 06/XX/06 | 12/23/2019 |  |  | 01/02/2020 | No | 1 | Yes | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 06/XX/06 | 06/XX/06 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 06/XX/06 | 06/XX/06 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 10/XX/12 | 10/XX/12 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 07/XX/18 | 08/XX/18 |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 06/XX/06 | 06/XX/06 |  |  | XXXX | 07/XX/21 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450914 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 08/XX/06 | 11/06/2019 |  |  | 01/02/2020 | No | 1 | Yes | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 09/XX/03 | 10/XX/03 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 08/XX/06 | 08/XX/06 | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 02/XX/14 | 02/XX/14 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 10/XX/12 | 12/XX/12 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 11/XX/14 | 01/XX/15 | XXXX | XXXX | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 09/XX/09 | 03/XX/10 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450821 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 12/XX/06 | 12/22/2019 |  |  | 01/10/2020 | No | 1 | No | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Grant Deed | XXXX | XXXX | 10/XX/02 | 10/XX/02 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 12/XX/06 | 12/XX/06 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 03/XX/12 | 04/XX/12 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450397 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 03/XX/07 | 12/20/2019 |  |  | 01/10/2020 | Yes | 2 | Yes | No |  | No | Y - 1,2 | XXXX | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | No | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 09/XX/15 | 10/XX/15 | XXXX | XXXX | XXXX | XXXX | Mortgage | XXXX | XXXX | No | 06/XX/06 | 07/XX/06 | XXXX | XXXX | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Subject Mortgage | XXXX | XXXX | No | 03/XX/07 | 04/XX/07 | XXXX | XXXX | XXXX | 04/XX/37 |  | Yes | XXXX | XXXX | 02/XX/18 | 03/XX/18 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 03/XX/07 | 09/XX/11 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Other Lien | XXXX | XXXX | XXXX | 04/XX/92 | 04/XX/92 | XXXX | XXXX |  | Other Judgment | XXXX | XXXX | XXXX | 12/XX/96 | 12/XX/96 | XXXX | XXXX |  | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 10/XX/11 | 10/XX/11 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450875 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 04/XX/07 | 10/25/2019 |  |  | 01/10/2020 | Yes | 1 | No | No AOMs Recorded |  | No | Y - 1 | XXXX | No | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | No | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 09/XX/05 | 09/XX/05 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 04/XX/07 | 04/XX/07 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | State Tax Lien | XXXX | XXXX | XXXX | 12/XX/03 | 12/XX/03 |  |  | XXXX | State Tax Lien | XXXX | XXXX | XXXX | 05/XX/07 | 05/XX/07 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 01/XX/08 | 02/XX/08 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 04/XX/08 | 05/XX/08 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 10/XX/08 | 11/XX/08 |  |  | XXXX | State Tax Lien | XXXX | XXXX | XXXX | 09/XX/11 | 09/XX/11 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 03/XX/12 | 03/XX/12 |  |  | XXXX | State Tax Lien | XXXX | XXXX | XXXX | 04/XX/13 | 04/XX/13 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 03/XX/14 | 03/XX/14 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 02/XX/15 | 03/XX/15 |  |  | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 05/XX/16 | 02/XX/17 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452451186 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 04/XX/07 | 12/23/2019 |  |  | 01/10/2020 | No | 1 | Yes | No AOMs Recorded |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Grant Deed | XXXX | XXXX | 03/XX/16 | 03/XX/16 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 04/XX/07 | 07/XX/07 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 05/XX/13 | 06/XX/13 |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449316 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 05/XX/07 | 12/20/2019 |  |  | 01/10/2020 | No | 1 | No | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 04/XX/05 | 05/XX/05 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 05/XX/07 | 05/XX/07 | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 10/XX/14 | 10/XX/14 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 02/XX/19 | 02/XX/19 | XXXX | XXXX |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450045 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 07/XX/07 | 11/01/2019 |  |  | 01/10/2020 | No | 1 | No | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 10/XX/13 | 10/XX/13 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 07/XX/07 | 08/XX/07 | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 12/XX/17 | 12/XX/17 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Other Judgment | XXXX | XXXX | XXXX | 04/XX/10 | 04/XX/10 | XXXX | XXXX | XXXX | Other Judgment | XXXX | XXXX | XXXX | 03/XX/11 | 03/XX/11 | XXXX | XXXX |  | Other Judgment | XXXX | XXXX | XXXX | 05/XX/11 | 05/XX/11 | XXXX | XXXX | XXXX | Other Judgment | XXXX | XXXX | XXXX | 07/XX/11 | 08/XX/11 | XXXX | XXXX | XXXX | Other Judgment | XXXX | XXXX | XXXX | 02/XX/16 | 02/XX/16 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449120 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | CA | XXXX | XXXX | XXXX | 03/XX/08 | 11/04/2019 |  |  | 01/10/2020 | Yes | 1 | Yes | No |  | No | Y - 1,2,3,4,5,6 | XXXX | No | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | No | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  |  |  | Grant Deed | XXXX | XXXX |  | 03/XX/10 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX |  | 03/XX/08 | 04/XX/08 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 12/XX/14 | 01/XX/17 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 02/XX/10 | 03/XX/10 |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX |  | 11/XX/16 | 12/XX/16 |  |  | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX |  | 06/XX/18 | 07/XX/18 |  |  | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Other Judgment | XXXX | XXXX | XXXX | 04/XX/05 | 04/XX/05 |  |  | XXXX | Other Judgment | XXXX | XXXX | XXXX | 01/XX/00 | 02/XX/06 |  |  | XXXX | Other Judgment | XXXX | XXXX | XXXX | 02/XX/06 | 02/XX/06 |  |  | XXXX | Other Judgment | XXXX | XXXX | XXXX | 02/XX/06 | 02/XX/06 |  |  | XXXX | Other Judgment | XXXX | XXXX | XXXX | 05/XX/07 | 05/XX/07 |  |  | XXXX | Other Judgment | XXXX | XXXX | XXXX | 09/XX/07 | 09/XX/07 |  |  | XXXX | State Tax Lien | XXXX | XXXX | XXXX | 10/XX/12 | 10/XX/12 |  |  | XXXX | State Tax Lien | XXXX | XXXX | XXXX | 11/XX/14 | 11/XX/14 |  |  | XXXX | State Tax Lien | XXXX | XXXX | XXXX | 04/XX/15 | 04/XX/15 |  |  | XXXX | Federal Tax Lien | XXXX | XXXX | XXXX | 07/XX/15 | 08/XX/15 |  |  | XXXX | Other Judgment | XXXX | XXXX | XXXX | 09/XX/17 | 10/XX/17 |  |  | XXXX | State Tax Lien | XXXX | XXXX | XXXX | 11/XX/17 | 11/XX/17 |  |  | XXXX | State Tax Lien | XXXX | XXXX | XXXX | 04/XX/18 | 04/XX/18 |  |  | XXXX | State Tax Lien | XXXX | XXXX | XXXX | 05/XX/18 | 05/XX/18 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449644 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | NY | XXXX | XXXX | XXXX | 08/XX/11 | 12/31/2019 |  |  | 01/10/2020 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | Yes | XXXX | 12/XX/19 | No | $0.00 |  |  | XXXX | Grant Deed | XXXX | XXXX | 01/XX/07 | 01/XX/07 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 08/XX/11 | 08/XX/11 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450525 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 02/XX/12 | 12/31/2019 |  |  | 01/10/2020 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Special Warranty Deed | XXXX | XXXX | 05/XX/07 | 05/XX/07 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 02/XX/12 | 02/XX/12 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449226 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | 04/XX/12 | 11/01/2019 |  |  | 01/10/2020 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 12/XX/05 | 01/XX/06 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 04/XX/12 | 06/XX/12 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449967 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 05/XX/12 | 12/31/2019 |  |  | 01/10/2020 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 05/XX/07 | 06/XX/07 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 05/XX/12 | 06/XX/12 | XXXX | XXXX | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 10/XX/15 | 10/XX/15 | XXXX | XXXX | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 01/XX/16 | 01/XX/16 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450401 | Base | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 10/XX/12 | 01/02/2020 |  |  | 01/10/2020 | No | 1 | No | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 03/XX/03 | 03/XX/03 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 10/XX/12 | 11/XX/12 | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 02/XX/18 | 03/XX/18 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 11/XX/04 | 11/XX/04 | XXXX | XXXX | XXXX | 11/XX/24 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449495 | Base | 1 | XXXX | XXXX |  | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 10/XX/12 | 01/02/2020 |  |  | 01/10/2020 | No | 1 | No | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 10/XX/01 | 10/XX/01 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 10/XX/12 | 12/XX/12 | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 02/XX/18 | 03/XX/18 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Base/Upsize** | **LoanID** | **Seller Loan ID** | **Servicer Loan ID** | **City** | **State** | **Zip** | **Property Type** | **Number of Units** | **Occupancy** | **Valuation Value** | **Lien Position** | **Note Date** | **First Payment Date** | **Original Loan Amount** | **Original Interest Rate** | **Original P&I** | **Payment Frequency** | **Interest Collection Type** | **Purpose** |
| 6452449854 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Co-op | 1 | Primary | $XXX | 1 | 4/XX/2000 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450267 | Upsize | XXX | XXX | XXX | XXX | VA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | Daily Simple | Refinance-Cash-out - Debt Consolidation |
| 6452450642 | Upsize | XXX | XXX | XXX | XXX | GA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450077 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Manufactured Housing | 1 | Primary | $XXX | 1 | 3/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450492 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | PUD | 1 | Primary | $XXX | 1 | 8/XX/2008 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450809 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449015 | Upsize | XXX | XXX | XXX | XXX | MD | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449958 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450754 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Co-op | 1 | Primary | $XXX | 1 | 8/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450063 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452449677 | Upsize | XXX | XXX | XXX | XXX | MD | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449901 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452451203 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | 3 Family | 3 | Primary | $XXX | 1 | 8/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452451116 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450014 | Upsize | XXX | XXX | XXX | XXX | TX | XXX | PUD | 1 | Primary | $XXX | 1 | 3/XX/2003 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449635 | Upsize | XXX | XXX | XXX | XXX | MI | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2003 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452451048 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452449543 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449930 | Upsize | XXX | XXX | XXX | XXX | MN | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2003 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450801 | Upsize | XXX | XXX | XXX | XXX | MI | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2003 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449272 | Upsize | XXX | XXX | XXX | XXX | GA | XXX | Raw Land/Other Non-Res Prop |  | Primary | $XXX | 1 | 11/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450770 | Upsize | XXX | XXX | XXX | XXX | WI | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450624 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450109 | Upsize | XXX | XXX | XXX | XXX | MI | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450445 | Upsize | XXX | XXX | XXX | XXX | WA | XXX | Manufactured Housing | 1 | Primary | $XXX | 1 | 9/XX/2001 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450180 | Upsize | XXX | XXX | XXX | XXX | TX | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2002 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450580 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2003 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450314 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | 2 Family | 2 | Primary | $XXX | 1 | 7/XX/2004 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450264 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450595 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | PUD | 1 | Second Home | $XXX | 1 | 11/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449221 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450806 | Upsize | XXX | XXX | XXX | XXX | AZ | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450900 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 9/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450882 | Upsize | XXX | XXX | XXX | XXX | TX | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2007 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449552 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2008 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452450142 | Upsize | XXX | XXX | XXX | XXX | WA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2009 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449862 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2011 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450171 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 6/XX/2012 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450364 | Upsize | XXX | XXX | XXX | XXX | TX | XXX | PUD | 1 | Primary | $XXX | 1 | 6/XX/2015 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449521 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 11/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450022 | Upsize | XXX | XXX | XXX | XXX | RI | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2006 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449081 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2012 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450621 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 8/XX/2012 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449013 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | 4 Family | 4 | Investment | $XXX | 1 | 12/XX/2013 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450753 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 11/XX/2013 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449707 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 8/XX/2012 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450971 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2013 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450159 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 4/XX/2005 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450219 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 5/XX/1999 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449781 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 2/XX/2014 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449587 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 7/XX/2013 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449114 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 4/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450367 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2014 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450304 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD Attached | 1 | Primary | $XXX | 1 | 2/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449531 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 7/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450826 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 6/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450511 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 6/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449489 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 3/XX/2015 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449934 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450485 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450107 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Debt Consolidation |
| 6452449132 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 1/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449908 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | 4 Family | 4 | Investment | $XXX | 1 | 8/XX/2015 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450451 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450062 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450755 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 12/XX/2014 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449753 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 6/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450507 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450035 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 9/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449194 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449348 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 4/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450676 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 7/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449124 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 5/XX/2014 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450905 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Investment | $XXX | 1 | 3/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450268 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452451113 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452451046 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | 4 Family | 4 | Investment | $XXX | 1 | 9/XX/2015 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450134 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450097 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 8/XX/2015 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450529 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 8/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449032 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449846 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450084 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 5/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452451235 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 11/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450002 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450759 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2014 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450762 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | 2 Family | 2 | Primary | $XXX | 1 | 2/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449704 | Upsize | XXX | XXX | XXX | XXX | TX | XXX | PUD | 1 | Primary | $XXX | 1 | 12/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449925 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 3/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451183 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Co-op | 1 | Primary | $XXX | 1 | 5/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449065 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451242 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449581 | Upsize | XXX | XXX | XXX | XXX | OH | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450649 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Condo (High Rise) | 1 | Second Home | $XXX | 1 | 11/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449309 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449874 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449965 | Upsize | XXX | XXX | XXX | XXX | OR | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450866 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449400 | Upsize | XXX | XXX | XXX | XXX | WA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450220 | Upsize | XXX | XXX | XXX | XXX | AZ | XXX | PUD | 1 | Second Home | $XXX | 1 | 4/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449883 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 6/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449042 | Upsize | XXX | XXX | XXX | XXX | PA | XXX | Single Family Attached | 1 | Primary | $XXX | 1 | 5/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450802 | Upsize | XXX | XXX | XXX | XXX | NC | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449622 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | PUD | 1 | Primary | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450229 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449428 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450947 | Upsize | XXX | XXX | XXX | XXX | WI | XXX | 2 Family | 2 | Primary | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450860 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449611 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | 3 Family | 3 | Primary | $XXX | 1 | 1/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450245 | Upsize | XXX | XXX | XXX | XXX | OH | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450440 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450240 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 7/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449394 | Upsize | XXX | XXX | XXX | XXX | CO | XXX | PUD | 1 | Primary | $XXX | 1 | 9/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449159 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449070 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449672 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449969 | Upsize | XXX | XXX | XXX | XXX | CA | XXX | PUD | 1 | Primary | $XXX | 1 | 11/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449448 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449806 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | 3 Family | 3 | Primary | $XXX | 1 | 11/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450252 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Condo (Mid Rise) | 1 | Primary | $XXX | 1 | 1/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449710 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Single Family Attached | 1 | Primary | $XXX | 1 | 1/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450614 | Upsize | XXX | XXX | XXX | XXX | CO | XXX | PUD | 1 | Primary | $XXX | 1 | 2/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450166 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Single Family Attached | 1 | Primary | $XXX | 1 | 11/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450283 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 5/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449477 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Single Family Attached | 1 | Primary | $XXX | 1 | 4/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449897 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | 2 Family | 2 | Primary | $XXX | 1 | 12/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450427 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | 2 Family | 2 | Primary | $XXX | 1 | 2/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450089 | Upsize | XXX | XXX | XXX | XXX | NV | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450065 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450667 | Upsize | XXX | XXX | XXX | XXX | CT | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450738 | Upsize | XXX | XXX | XXX | XXX | CO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Home Improvement |
| 6452451104 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | 3 Family | 3 | Primary | $XXX | 1 | 4/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452451130 | Upsize | XXX | XXX | XXX | XXX | GA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450125 | Upsize | XXX | XXX | XXX | XXX | TX | XXX | PUD | 1 | Primary | $XXX | 1 | 9/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451094 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451224 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449333 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450876 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451160 | Upsize | XXX | XXX | XXX | XXX | WI | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449390 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 8/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450315 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451136 | Upsize | XXX | XXX | XXX | XXX | NC | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450951 | Upsize | XXX | XXX | XXX | XXX | NY | XXX | Co-op | 1 | Primary | $XXX | 1 | 9/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450795 | Upsize | XXX | XXX | XXX | XXX | IN | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449756 | Upsize | XXX | XXX | XXX | XXX | OH | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451014 | Upsize | XXX | XXX | XXX | XXX | WI | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451252 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Limited Cash-out GSE |
| 6452449035 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Primary | $XXX | 1 | 8/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449410 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Second Home | $XXX | 1 | 9/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450645 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450408 | Upsize | XXX | XXX | XXX | XXX | FL | XXX | Condo (High Rise) | 1 | Second Home | $XXX | 1 | 2/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449796 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 10/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449589 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449228 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450101 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Condo (High Rise) | 1 | Primary | $XXX | 1 | 12/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450909 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | 2 Family | 2 | Investment | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452451159 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | 2 Family | 2 | Investment | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450249 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | PUD | 1 | Primary | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452451156 | Upsize | XXX | XXX | XXX | XXX | IN | XXX | PUD | 1 | Primary | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450490 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 1/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449828 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | PUD | 1 | Primary | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452450306 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 2/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450658 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | PUD | 1 | Primary | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450930 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449007 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 5/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450726 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449977 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449464 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450263 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452449496 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | PUD | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449479 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452449078 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449503 | Upsize | XXX | XXX | XXX | XXX | MN | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450362 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Condo (Mid Rise) | 1 | Primary | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450735 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 9/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449541 | Upsize | XXX | XXX | XXX | XXX | MI | XXX | Single Family Detached | 1 | Second Home | $XXX | 1 | 2/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450192 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 8/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450342 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449432 | Upsize | XXX | XXX | XXX | XXX | MN | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449519 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | PUD | 1 | Primary | $XXX | 1 | 10/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451170 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452450651 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | PUD | 1 | Primary | $XXX | 1 | 10/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450196 | Upsize | XXX | XXX | XXX | XXX | MN | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451196 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449832 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | PUD | 1 | Primary | $XXX | 1 | 5/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452450844 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | PUD | 1 | Primary | $XXX | 1 | 9/XX/2023 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452450734 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 12/XX/2016 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452451221 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 3/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449659 | Upsize | XXX | XXX | XXX | XXX | RI | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 5/XX/2017 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449615 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 1/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450743 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 2/XX/2018 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450952 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Second Home | $XXX | 1 | 12/XX/2019 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450150 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 10/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450647 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450945 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 5/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450472 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450074 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 7/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450682 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450528 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 7/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450542 | Upsize | XXX | XXX | XXX | XXX | RI | XXX | Single Family Detached | 1 | Second Home | $XXX | 1 | 8/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449724 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 9/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450363 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 9/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450574 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 10/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450840 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 10/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449895 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 10/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449105 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 12/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451200 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449576 | Upsize | XXX | XXX | XXX | XXX | CT | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450836 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450859 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 5/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450568 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 3/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452451099 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449563 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 4/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449692 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | 3 Family | 3 | Investment | $XXX | 1 | 5/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452450126 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449469 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (High Rise) | 1 | Investment | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449229 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452451009 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450332 | Upsize | XXX | XXX | XXX | XXX | RI | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449327 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | 3 Family | 3 | Investment | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450329 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449682 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449389 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Attached | 1 | Investment | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450299 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450186 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 8/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449418 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Mid Rise) | 1 | Investment | $XXX | 1 | 11/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449151 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450780 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Primary | $XXX | 1 | 11/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450285 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Condo (Low Rise) | 1 | Investment | $XXX | 1 | 10/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449312 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 11/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449429 | Upsize | XXX | XXX | XXX | XXX | MO | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 5/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450246 | Upsize | XXX | XXX | XXX | XXX | MN | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 4/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Home Improvement |
| 6452451045 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452449868 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | PUD | 1 | Primary | $XXX | 1 | 5/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450764 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 6/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449343 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 7/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449875 | Upsize | XXX | XXX | XXX | XXX | IL | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 12/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Construction-Permanent |
| 6452451209 | Upsize | XXX | XXX | XXX | XXX | MI | XXX | Single Family Detached | 1 | Second Home | $XXX | 1 | 1/XX/2022 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Rate/Term |
| 6452450747 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | 2 Family | 2 | Investment | $XXX | 1 | 9/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Refinance-Cash-out - Other |
| 6452449914 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Primary | $XXX | 1 | 9/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452450657 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | 2 Family | 2 | Primary | $XXX | 1 | 9/XX/2020 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |
| 6452449075 | Upsize | XXX | XXX | XXX | XXX | MA | XXX | Single Family Detached | 1 | Investment | $XXX | 1 | 11/XX/2021 | XX/XX/XXXX | $XXX | XX.XX% | $XXX | Monthly | In Arrears | Purchase |

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| **Unique ID** | **Contract Sales Price** | **Doc Type** | **Original FICO** | **DTI** | **LTV** | **CLTV** | **Lease Hold** | **Simultaneous Second** | **Subordinate Lien Amount** | **Originator Name** | **Appr Date** | **Due On Demand** | **Income Verification Level** | **Income Type** | **Asset Verification Level** | **Asset Type** | **Employment** | **Loan Type** | **Remaining Scheduled Term** | **Remaining Amortization Term** | **Amortization Type** | **Maturity Date** | **Original Term** | **Amortization Term** | **Teaser** | **Index Type** | **Margin** | **ARM Reset Frequency (Payment)** | **ARM Reset Frequency (Rate)** | **ARM First Payment Change Date** | **ARM First Interest Rate Change Date** | **ARM Next Payment Change Date** | **ARM Next Interest Rate Change Date** | **ARM Initial Rate Cap** | **ARM Initial Rate Maximum** | **ARM Initial Rate Floor** | **ARM Initial Rate Minimum** | **ARM Periodic Rate Cap** | **ARM Periodic Rate Floor** | **ARM Life Rate Cap** | **ARM Life Rate Maximum** | **ARM Life Rate Floor** | **ARM Life Rate Minimum** | **Balloon** | **Interest Only** | **Interest Only Term** | **Interest Only Expiration Date** | **Neg Am** | **Max Balance Percent** | **Minimum Payment Calc** | **Payment Recast** | **Recast Date** | **Payment Adjustment Cap** | **Options at Recast** | **Interest Only to Recast** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Terms** | **Step 1 Date** | **Step 1 Rate** | **Step 2 Date** | **Step 2 Rate** | **Step 3 Date** | **Step 3 Rate** | **Step 4 Date** | **Step 4 Rate** | **Step 5 Date** | **Step 5 Rate** | **Step 6 Date** | **Step 6 Rate** | **Step 7 Date** | **Step 7 Rate** | **Step 8 Date** | **Step 8 Rate** | **PMI Coverage** | **PMI Company** | **MI Certificate #** | **MI Type** | **LPMI Fee** | **MI Status** | **Senior Lien Amount** |
| 6452449854 | $XXX |  |  |  | 75.000% | 75.000% | No | No |  | XXX | 1/XX/2000 | Permissible |  |  |  |  |  | 7/1 or 7/6 Mos ARM | 172 | 172 | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2007 | 5/XX/2007 | 6/XX/2016 | 5/XX/2016 | 2.000% | 10.250% | 2.000% | 6.250% | 2.000% | 2.000% | 6.000% | 14.250% | 2.000% | 6.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450267 |  |  | 601 |  | 94.132% | 94.132% | No | No |  | XXX | 1/XX/2007 | Permissible |  |  |  |  |  | Fixed Rate | 254 | 254 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 36 | 3%, 2%, 1% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450642 |  | Full | 541 | 48.460% | 73.749% | 73.749% | No | No |  | XXX | 12/XX/2003 | Permissible |  |  |  |  |  | Fixed Rate | 203 | 203 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450077 |  | Full | 591 | 47.730% | 92.863% | 92.863% | No | No |  | XXX | 3/XX/2006 | Permissible |  |  |  |  |  | Fixed Rate | 227 | 227 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.000% | XXX | XXX | FHA |  |  |  |
| 6452450492 |  | UTD | 640 | 36.970% | 86.940% | 86.940% | No | No |  | XXX | 7/XX/2008 | Permissible |  |  |  |  |  | Fixed Rate | 256 | 256 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.000% | XXX | XXX | FHA |  |  |  |
| 6452450809 |  | Full | 584 | 33.537% | 90.000% | 90.000% | No | No |  | XXX | 12/XX/2006 | Permissible |  |  |  |  |  | 3/1 or 3/6 Mos ARM | 236 | 236 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 6 Month (Daily) | 7.500% | 6 | 6 | 2/XX/2010 | 1/XX/2010 | 8/XX/2017 | 7/XX/2017 | 3.000% | 11.500% |  | 8.500% | 1.500% | 1.500% | 7.000% | 15.500% |  | 8.500% | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 36 | 5% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449015 |  | No Ratio | 691 |  | 79.755% | 79.755% | No | No |  | XXX | 8/XX/2007 | Permissible |  |  |  |  |  | Fixed Rate | 244 | 244 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449958 |  | Reduced | 715 | 48.181% | 67.727% | 67.727% | No | No |  | XXX | 10/XX/2005 | Permissible |  |  |  |  |  | Fixed Rate I/O | 212 | 212 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 60 | 1/XX/2011 | No |  |  |  |  |  |  |  | Yes | 36 | 6 Months Interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450754 |  | UTD | 612 | 25.650% | 32.333% | 32.333% | Yes | No |  | XXX | 8/XX/2007 | Permissible |  |  |  |  |  | 5/1 or 5/6 Mos ARM | 232 | 232 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 6 Month (Daily) | 5.875% | 6 | 6 | 10/XX/2012 | 9/XX/2012 | 10/XX/2018 | 9/XX/2018 | 3.000% | 12.875% |  | 9.875% | 1.000% | 1.000% | 7.000% | 16.875% | 4.000% | 5.875% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450063 |  | Full | 582 | 42.575% | 80.000% | 80.000% | No | No |  | XXX | 12/XX/2005 | Permissible |  |  |  |  |  | 2/1 or 2/6 Mos ARM | 214 |  | ARM | XX/XX/XXXX | 360 |  |  | LIBOR - 6 Month (Daily) | 5.250% | 6 | 6 | 4/XX/2008 | 3/XX/2008 | 10/XX/2018 | 9/XX/2018 | 2.000% | 10.300% | 3.050% | 5.250% | 1.000% | 1.000% | 2.000% | 10.300% | 3.050% | 5.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449677 | $XXX | Full | 684 | 36.770% | 100.000% | 100.000% | No | No |  | XXX | 1/XX/2007 | Permissible |  |  |  |  |  | Fixed Rate | 219 | 219 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449901 |  | Full | 734 | 17.180% | 72.414% | 72.414% | No | No |  | XXX | 11/XX/2006 | Permissible |  |  |  |  |  | 5/6 Mos ARM (I/O) | 217 | 217 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 6 Month (Daily) | 2.250% | 6 | 6 | 2/XX/2012 | 1/XX/2012 | 8/XX/2018 | 1/XX/2019 | 5.000% | 10.750% | 3.500% | 2.250% | 1.000% | 1.000% | 5.000% | 10.750% | 3.500% | 2.250% | No | Yes | 120 | 1/XX/2017 | No |  |  |  |  |  |  |  | Yes | 36 | 6 Months Interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451203 |  | Full | 659 | 52.230% | 64.218% | 64.218% | No | No |  | XXX | 8/XX/2007 | Permissible | Verified | Paystubs/W-2 | Stated |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451116 |  | Reduced | 701 | 42.270% | 73.529% | 73.529% | No | No |  | XXX | 6/XX/2005 | Permissible | No |  | Verified | Bank Statements | Yes | 5/1 ARM |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 9/XX/2010 | 8/XX/2010 | 9/XX/2018 | 8/XX/2019 | 5.000% | 11.000% | 3.750% | 2.250% | 2.000% | 2.000% | 5.000% | 11.000% | 3.750% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450014 | $XXX | UTD |  | 50.582% | 99.971% | 99.971% | No | No |  | XXX | 3/XX/2003 | Permissible | Stated |  | Stated |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 36 | 6 Months Interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449635 |  | Alt | 718 | 36.100% | 73.571% | 73.571% | No | No |  | XXX | 6/XX/2003 | Permissible | Verified | Paystubs/W-2 | Stated |  |  | Misc. ARM |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.875% | 12 | 12 | 11/XX/2004 | 10/XX/2004 | 11/XX/2018 | 10/XX/2018 | 2.000% | 5.500% | 0.625% | 2.875% | 2.000% | 2.000% | 6.000% | 9.500% | 0.625% | 2.875% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451048 |  | Alt | 652 | 37.000% | 65.682% | 65.682% | No | No |  | XXX | 3/XX/2005 | Permissible | Verified | Awards Letter | Verified | Bank Statements |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449543 |  | UTD | 679 | 42.850% | 72.103% | 72.103% | No | No |  | XXX | 12/XX/2005 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449930 |  | UTD | 769 |  | 69.620% | 69.620% | No | No |  | XXX | 8/XX/2003 | Permissible | Stated |  | Stated |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450801 |  | UTD | 767 | 47.830% | 80.000% | 80.000% | No | No |  | XXX | 12/XX/2002 | Permissible | Stated |  | Verified | Bank Statements |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449272 |  | Full | 760 | 30.460% | 87.766% | 87.766% | No | No |  | XXX | 11/XX/1963 | Permissible |  |  |  |  |  | 5/1 ARM (I/O) |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 1/XX/2012 | 12/XX/2011 | 1/XX/2020 | 12/XX/2019 | 5.000% | 12.000% | 4.750% | 2.250% | 2.000% | 2.000% | 5.000% | 12.000% | 4.750% | 2.250% | No | Yes | 60 | 12/XX/2011 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450770 |  | Full | 579 | 84.410% | 89.925% | 89.925% | No | No |  | XXX | 8/XX/2007 | Permissible |  |  |  |  |  | Fixed Rate | 212 | 212 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 12 | 60 days interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450624 | $XXX | Full | 580 | 15.021% | 90.000% | 93.333% | No | Yes | $2000.00 | XXX | 7/XX/2004 | Permissible |  |  |  |  |  | Fixed Rate | 170 | 170 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 12 | 6 Months Interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450109 |  | Full | 737 | 42.800% | 85.000% | 85.000% | No | No |  | XXX | 7/XX/2004 | Permissible |  |  |  |  |  | Fixed Rate | 169 | 169 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 36 | 1%, 1%, 1% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450445 |  | UTD |  | 41.270% | 63.158% | 63.158% | No | No |  | XXX | 6/XX/2001 | Permissible | Stated |  | Stated |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450180 |  | UTD |  |  | 78.462% | 78.462% | No | No |  | XXX |  | Permissible | No |  | No |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450580 | $XXX | Full | 622 | 35.000% | 96.993% | 96.993% | No | No |  | XXX | 12/XX/2002 | Permissible | No |  | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450314 | $XXX | Stated | 735 | 46.000% | 89.882% | 89.882% | No | No |  | XXX | 5/XX/2004 | Permissible | Stated |  | Stated |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450264 | $XXX | Full | 737 | 45.000% | 97.000% | 97.000% | No | No |  | XXX | 12/XX/2004 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450595 | $XXX | UTD | 641 |  | 51.304% | 51.304% | No | No |  | XXX | 10/XX/2005 | Permissible | No |  | No |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449221 |  | Full | 593 | 28.520% | 75.000% | 75.000% | No | No |  | XXX | 2/XX/2006 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450806 | $XXX | Full | 609 | 33.329% | 61.765% | 61.765% | No | No |  | XXX | 4/XX/2007 | Impermissible | Verified | Paystubs/W-2 | Verified | Gift Letter | Yes | 2/6 Mos ARM |  |  | ARM | XX/XX/XXXX | 360 | 480 |  | LIBOR - 6 Month (Daily) | 5.950% | 6 | 6 | 8/XX/2009 | 7/XX/2009 | 2/XX/2020 | 1/XX/2020 | 3.000% | 10.075% |  | 7.075% | 1.000% | 1.000% | 7.000% | 14.075% |  | 7.075% | Yes | No |  |  | No |  |  |  |  |  |  |  | Yes | 24 | 6 Months Interest |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450900 |  | Stated | 616 | 46.980% | 79.040% | 79.040% | No | No |  | XXX | 8/XX/2007 | Permissible | Stated |  | No |  | Yes | 5/6 Mos ARM |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 6 Month (Daily) | 3.950% | 6 | 6 | 11/XX/2012 | 10/XX/2012 | 11/XX/2019 | 10/XX/2019 | 3.000% | 11.175% |  | 8.175% | 1.000% | 1.000% | 7.000% | 15.175% |  | 8.175% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450882 | $XXX | Full | 656 | 64.530% | 99.790% | 99.790% | No | No |  | XXX | 12/XX/2007 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449552 |  | Full | 678 | 57.850% | 59.523% | 59.523% | No | No |  | XXX |  | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450142 |  | UTD | 812 | 27.300% | 77.300% | 77.300% | No | No |  | XXX | 12/XX/2008 | Permissible | Verified | Paystubs/W-2 | Verified | Bank Statements | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449862 |  | Stated | 581 | 45.640% | 124.868% | 124.868% | No | No |  | XXX |  | Permissible | Stated |  | Stated |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450171 |  | Stated | 736 | 69.640% | 250.464% | 250.464% | No | No |  | XXX |  | Permissible | Stated |  | Stated |  | Yes | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450364 | $XXX | Full | 753 | 25.941% | 90.000% | 90.000% | No | No |  | XXX | 6/XX/2015 | Permissible |  |  |  |  |  | 5/1 ARM |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 8/XX/2020 | 7/XX/2020 | 8/XX/2020 | 7/XX/2020 | 2.000% | 4.750% | 0.500% | 2.250% | 2.000% | 2.000% | 5.000% | 7.750% | 0.500% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449521 |  | Full | 678 | 17.085% | 75.000% | 75.000% | No | No |  | XXX | 11/XX/2006 | Permissible |  |  |  |  |  | 5/1 or 5/6 Mos ARM (I/O) | 230 | 230 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.750% | 12 | 12 | 1/XX/2012 | 12/XX/2011 | 1/XX/2018 | 12/XX/2017 | 6.000% | 12.875% | 4.125% | 2.750% | 2.000% | 2.000% | 6.000% | 12.875% | 4.125% | 2.750% | No | Yes | 120 | 12/XX/2016 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450022 |  | NINA | 649 |  | 42.308% | 42.308% | No | No |  | XXX | 8/XX/2006 | Permissible |  |  |  |  |  | 5/1 or 5/6 Mos ARM | 227 | 227 | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.750% | 12 | 12 | 10/XX/2011 | 9/XX/2011 | 10/XX/2017 | 9/XX/2017 | 6.000% | 13.000% | 4.250% | 2.750% | 2.000% | 2.000% | 6.000% | 13.000% | 4.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449081 |  | Full | 815 | 43.000% | 31.250% | 31.250% | No | No |  | XXX | 3/XX/2012 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450621 |  | Alt | 754 | 17.394% | 60.156% | 60.156% | No | No |  | XXX | 7/XX/2012 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449013 |  | Full | 808 | 38.840% | 40.714% | 40.714% | No | No |  | XXX | 11/XX/2013 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450753 |  | Full | 777 | 32.203% | 37.455% | 37.455% | No | No |  | XXX | 9/XX/2013 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 1/XX/2021 | 12/XX/2020 | 1/XX/2024 | 12/XX/2023 | 2.000% | 6.250% | 1.750% | 2.500% | 2.000% | 2.000% | 6.000% | 10.250% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 12 | 1% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449707 | $XXX | Full | 786 | 38.999% | 75.000% | 75.000% | No | No |  | XXX | 7/XX/2012 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 10/XX/2022 | 9/XX/2022 | 10/XX/2023 | 9/XX/2023 | 3.000% | 6.875% | 1.375% | 2.500% | 2.000% | 2.000% | 5.000% | 8.875% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | Yes | 12 | 1% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450971 |  | Full | 695 | 41.100% | 87.765% | 87.765% | No | No |  | XXX | 5/XX/2013 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450159 |  | Full | 676 | 38.568% | 54.754% | 71.148% | No | Yes | $50000.00 | XXX | 2/XX/2005 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450219 |  | Full | 731 | 42.166% | 69.612% | 95.474% | No | Yes | $30000.00 | XXX | 4/XX/1999 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449781 |  | Full | 756 | 19.730% | 31.646% | 31.646% | No | No |  | XXX | 12/XX/2013 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 4/XX/2024 | 3/XX/2024 | 4/XX/2024 | 3/XX/2024 | 2.000% | 6.625% | 2.000% | 2.625% | 2.000% | 2.000% | 6.000% | 10.625% |  |  | No | Yes | 120 | 3/XX/2024 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449587 |  | UTD | 685 | 43.228% | 75.000% | 75.000% | No | No |  | XXX | 6/XX/2013 | Permissible |  |  |  |  |  | 5 Year Interest Only, 5/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 9/XX/2018 | 8/XX/2018 | 9/XX/2023 | 8/XX/2023 | 2.000% | 5.500% | 1.000% | 2.500% | 2.000% | 2.000% | 6.000% | 9.500% |  |  | No | Yes | 60 | 8/XX/2018 | No |  |  |  |  |  |  |  | Yes | 12 | 1% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449114 |  | Full | 756 | 38.492% | 68.571% | 68.571% | No | No |  | XXX | 3/XX/2019 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 6/XX/2029 | 5/XX/2029 | 6/XX/2029 | 5/XX/2029 | 2.000% | 6.125% | 1.875% | 2.250% | 2.000% | 2.000% | 6.000% | 10.125% | 1.875% | 2.250% | No | Yes | 120 | 5/XX/2029 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450367 | $XXX | Full | 698 | 39.130% | 77.778% | 77.778% | No | No |  | XXX | 9/XX/2014 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450304 | $XXX | Full | 726 | 23.486% | 75.000% | 75.000% | No | No |  | XXX | 1/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 4/XX/2028 | 3/XX/2028 | 4/XX/2028 | 3/XX/2028 | 2.000% | 4.875% | 0.625% | 2.250% | 2.000% | 2.000% | 6.000% | 8.875% | 0.625% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449531 | $XXX | Full | 770 | 39.898% | 58.083% | 58.083% | No | No |  | XXX | 7/XX/2016 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 9/XX/2023 | 8/XX/2023 | 9/XX/2023 | 8/XX/2023 | 2.000% | 5.875% | 1.375% | 2.500% | 2.000% | 2.000% | 6.000% | 9.875% | 1.375% | 2.500% | No | Yes | 84 | 8/XX/2023 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450826 | $XXX | Full | 669 | 40.087% | 70.000% | 70.000% | No | No |  | XXX | 5/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 8/XX/2027 | 7/XX/2027 | 8/XX/2027 | 7/XX/2027 | 2.000% | 6.000% | 1.750% | 2.250% | 2.000% | 2.000% | 6.000% | 10.000% | 1.750% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450511 |  | Full | 745 | 43.794% | 78.272% | 78.272% | No | No |  | XXX | 5/XX/2016 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449489 |  | Full | 814 | 38.216% | 45.197% | 45.197% | No | No |  | XXX | 3/XX/2015 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449934 |  | Full | 781 | 27.138% | 52.015% | 52.015% | No | No |  | XXX | 3/XX/2016 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450485 | $XXX | Full | 759 | 24.622% | 80.000% | 80.000% | No | No |  | XXX | 8/XX/2017 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 11/XX/2024 | 10/XX/2024 | 11/XX/2024 | 10/XX/2024 | 2.000% | 5.000% | 0.750% | 2.250% | 2.000% | 2.000% | 6.000% | 9.000% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450107 |  | Full | 689 | 39.898% | 52.710% | 52.710% | No | No |  | XXX | 10/XX/2017 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 5.750% | 1.500% | 2.250% | 2.000% | 2.000% | 6.000% | 9.750% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449132 | $XXX | Full | 773 | 43.560% | 73.016% | 73.016% | No | No |  | XXX | 12/XX/2017 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 3/XX/2028 | 2/XX/2028 | 3/XX/2028 | 2/XX/2028 | 2.000% | 5.875% | 1.625% | 2.250% | 2.000% | 2.000% | 6.000% | 9.875% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449908 |  | Full | 768 | 42.110% | 53.111% | 53.111% | No | No |  | XXX | 7/XX/2015 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450451 | $XXX | Full | 748 | 37.677% | 80.000% | 85.000% | No | Yes | $65000.00 | XXX | 5/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 8/XX/2029 | 7/XX/2029 | 8/XX/2029 | 7/XX/2029 | 2.000% | 5.625% | 1.375% | 2.250% | 2.000% | 2.000% | 6.000% | 9.625% | 1.375% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450062 | $XXX | Full | 751 | 40.936% | 80.000% | 89.961% | No | Yes | $128500.00 | XXX | 8/XX/2017 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 11/XX/2024 | 10/XX/2024 | 11/XX/2024 | 10/XX/2024 | 2.000% | 5.250% | 1.000% | 2.250% | 2.000% | 2.000% | 6.000% | 9.250% | 1.000% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450755 | $XXX | Full | 777 | 42.292% | 78.571% | 89.990% | No | Yes | $159860.00 | XXX | 12/XX/2014 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 2/XX/2022 | 1/XX/2022 | 2/XX/2024 | 1/XX/2024 | 2.000% | 5.250% | 0.750% | 2.500% | 2.000% | 2.000% | 6.000% | 9.250% | 1.000% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449753 |  | Full | 730 | 38.311% | 53.476% | 53.476% | No | No |  | XXX | 5/XX/2017 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 9/XX/2024 | 8/XX/2024 | 9/XX/2024 | 8/XX/2024 | 2.000% | 5.750% | 1.500% | 2.250% | 2.000% | 2.000% | 6.000% | 9.750% | 1.500% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450507 | $XXX | Full | 730 | 39.656% | 80.000% | 80.000% | No | No |  | XXX | 11/XX/2016 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 2/XX/2027 | 1/XX/2027 | 2/XX/2027 | 1/XX/2027 | 2.000% | 5.125% | 0.625% | 2.500% | 2.000% | 2.000% | 6.000% | 9.125% | 0.625% | 2.500% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450035 | $XXX | Full | 771 | 41.585% | 75.000% | 89.897% | No | Yes | $187700.00 | XXX | 8/XX/2017 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 11/XX/2024 | 10/XX/2024 | 11/XX/2024 | 10/XX/2024 | 2.000% | 5.250% | 1.000% | 2.250% | 2.000% | 2.000% | 6.000% | 9.250% | 1.000% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449194 | $XXX | Full | 727 | 41.322% | 52.083% | 52.083% | No | No |  | XXX | 5/XX/2016 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 8/XX/2023 | 7/XX/2023 | 8/XX/2023 | 7/XX/2023 | 2.000% | 4.875% | 0.375% | 2.500% | 2.000% | 2.000% | 6.000% | 8.875% | 0.375% | 2.500% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449348 | $XXX | Full | 779 | 42.146% | 80.000% | 85.000% | No | Yes | $60000.00 | XXX | 3/XX/2016 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 6/XX/2023 | 5/XX/2023 | 6/XX/2023 | 5/XX/2023 | 2.000% | 5.125% | 0.625% | 2.500% | 2.000% | 2.000% | 6.000% | 9.125% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450676 | $XXX | Full | 724 | 23.861% | 70.000% | 70.000% | No | No |  | XXX | 6/XX/2016 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 9/XX/2026 | 8/XX/2026 | 9/XX/2026 | 8/XX/2026 | 2.000% | 5.000% | 0.500% | 2.500% | 2.000% | 2.000% | 6.000% | 9.000% | 0.500% | 2.500% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449124 | $XXX | Full | 703 | 41.900% | 76.142% | 76.142% | No | No |  | XXX | 4/XX/2014 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 7/XX/2021 | 6/XX/2021 | 7/XX/2023 | 6/XX/2023 | 2.000% | 5.500% | 1.000% | 2.500% | 2.000% | 2.000% | 6.000% | 9.500% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450905 |  | Full | 792 | 35.389% | 78.261% | 78.261% | No | No |  | XXX | 2/XX/2017 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450268 |  | Full | 787 | 17.872% | 49.906% | 49.906% | No | No |  | XXX | 10/XX/2017 | Permissible |  |  |  |  |  | Fixed Rate |  |  | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451113 |  | Full | 732 | 34.279% | 44.778% | 44.778% | No | No |  | XXX | 11/XX/2018 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 2/XX/2029 | 1/XX/2029 | 2/XX/2029 | 1/XX/2029 | 2.000% | 6.500% | 2.000% | 2.500% | 2.000% | 2.000% | 6.000% | 10.500% | 2.250% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451046 |  | Full | 786 | 28.920% | 43.093% | 43.093% | No | No |  | XXX | 8/XX/2015 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 11/XX/2022 | 10/XX/2022 | 11/XX/2023 | 10/XX/2023 | 2.000% | 6.375% | 1.875% | 2.500% | 2.000% | 2.000% | 6.000% | 10.375% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450134 | $XXX | Full | 734 | 43.234% | 51.456% | 51.456% | No | No |  | XXX | 9/XX/2020 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 5.375% | 1.125% | 2.250% | 2.000% | 2.000% | 6.000% | 9.375% | 1.125% | 2.250% | No | Yes | 84 | 11/XX/2027 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450097 |  | Full | 754 | 35.015% | 60.274% | 60.274% | No | No |  | XXX | 6/XX/2015 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 10/XX/2025 | 9/XX/2025 | 10/XX/2025 | 9/XX/2025 | 2.000% | 5.750% | 1.250% | 2.500% | 2.000% | 2.000% | 6.000% | 9.750% |  |  | No | Yes | 120 | 9/XX/2025 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450529 |  | Full | 692 | 40.640% | 67.834% | 67.834% | No | No |  | XXX | 8/XX/2018 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 10/XX/2025 | 9/XX/2025 | 10/XX/2025 | 9/XX/2025 | 2.000% | 6.125% | 1.875% | 2.250% | 2.000% | 2.000% | 6.000% | 10.125% | 1.875% | 2.250% | No | Yes | 84 | 9/XX/2025 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449032 |  | Full | 676 | 42.921% | 65.574% | 65.574% | No | No |  | XXX | 6/XX/2017 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 9/XX/2024 | 8/XX/2024 | 9/XX/2024 | 8/XX/2024 | 2.000% | 6.000% | 1.750% | 2.250% | 2.000% | 2.000% | 6.000% | 10.000% | 1.750% | 2.250% | No | Yes | 84 | 8/XX/2024 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449846 |  | Full | 782 | 52.604% | 25.254% | 25.254% | No | No |  | XXX | 8/XX/2019 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 10/XX/2026 | 9/XX/2026 | 10/XX/2026 | 9/XX/2026 | 2.000% | 5.750% | 1.500% | 2.250% | 2.000% | 2.000% | 6.000% | 9.750% | 1.500% | 2.250% | No | Yes | 84 | 9/XX/2026 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450084 |  | Full | 719 | 44.696% | 59.812% | 59.812% | No | No |  | XXX | 3/XX/2017 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 7/XX/2027 | 6/XX/2027 | 7/XX/2027 | 6/XX/2027 | 2.000% | 6.125% | 1.875% | 2.250% | 2.000% | 2.000% | 6.000% | 10.125% |  |  | No | Yes | 120 | 6/XX/2027 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451235 |  | Full | 745 | 43.696% | 52.522% | 52.522% | No | No |  | XXX | 10/XX/2018 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 1/XX/2026 | 12/XX/2025 | 1/XX/2026 | 12/XX/2025 | 2.000% | 6.500% | 2.000% | 2.500% | 2.000% | 2.000% | 6.000% | 10.500% | 2.000% | 2.500% | No | Yes | 84 | 12/XX/2025 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450002 |  | Full | 809 | 40.641% | 57.468% | 57.468% | No | No |  | XXX | 9/XX/2018 | Permissible |  |  |  |  |  | 7 Year Interest Only, 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 12/XX/2025 | 11/XX/2025 | 12/XX/2025 | 11/XX/2025 | 2.000% | 6.125% | 1.875% | 2.250% | 2.000% | 2.000% | 6.000% | 10.125% | 1.875% | 2.250% | No | Yes | 84 | 11/XX/2025 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450759 |  | Full | 770 | 37.587% | 80.000% | 80.000% | No | No |  | XXX | 9/XX/2014 | Permissible |  |  |  |  |  | 10 Year Interest Only, 10/1 Adjustable Rate | 10 Year Interest Only, 10/1 Adjustable Rate |  | ARM | XX/XX/XXXX | 480 | 480 |  | LIBOR - 1 Year (Daily) | 2.500% | 12 | 12 | 12/XX/2024 | 11/XX/2024 | 12/XX/2024 | 11/XX/2024 | 2.000% | 6.375% | 1.875% | 2.500% | 2.000% | 2.000% | 6.000% | 10.375% |  |  | No | Yes | 120 | 11/XX/2024 | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450762 |  | 2yr Full Doc | 790 | 43.264% | 48.000% | 48.000% | No | No |  | XXX | 1/XX/2020 | Permissible |  |  |  |  |  | Fixed Rate | 306 | 306 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449704 | $XXX | 2yr Full Doc | 738 | 34.281% | 34.112% | 34.112% | No | No |  | XXX | 12/XX/2022 | Permissible |  |  |  |  |  | Fixed Rate | 340 | 340 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449925 | $XXX | WVOE | 765 | 40.870% | 97.000% | 97.000% | No | No |  | XXX | 3/XX/2022 | Permissible |  |  |  |  |  | Fixed Rate | 331 | 331 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451183 | $XXX | 2yr Full Doc | 774 | 46.464% | 80.000% | 80.000% | No | No |  | XXX | 1/XX/2023 | Permissible |  |  |  |  |  | Fixed Rate | 285 | 285 | Fixed | XX/XX/XXXX | 300 | 300 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449065 | $XXX | 2yr Full Doc | 694 | 46.269% | 80.000% | 80.000% | No | No |  | XXX | 4/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 302 | 302 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451242 |  | 2yr Full Doc | 729 | 40.147% | 14.737% | 14.737% | No | No |  | XXX | 5/XX/2023 | Permissible |  |  |  |  |  | Fixed Rate | 165 | 165 | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449581 | $XXX | 2yr Full Doc | 653 | 47.327% | 75.400% | 75.400% | No | No |  | XXX | 3/XX/2022 | Permissible |  |  |  |  |  | Fixed Rate | 337 | 337 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.000% | XXX | XXX | FHA |  |  |  |
| 6452450649 | $XXX | 2yr Full Doc | 769 | 44.916% | 79.444% | 79.444% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 327 | 327 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449309 | $XXX | 2yr Full Doc | 730 | 29.361% | 94.455% | 94.455% | No | No |  | XXX | 3/XX/2022 | Permissible |  |  |  |  |  | Fixed Rate | 332 | 332 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449874 |  | Retirement Income - Fully Verified | 768 | 41.674% | 53.700% | 53.700% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 148 | 148 | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449965 | $XXX | 2yr Full Doc | 788 | 26.229% | 80.000% | 80.000% | No | No |  | XXX | 12/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 329 | 329 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450866 | $XXX | 2yr Full Doc | 780 | 41.496% | 80.000% | 80.000% | No | No |  | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 326 | 326 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449400 | $XXX | 2yr Full Doc | 785 | 36.460% | 80.000% | 80.000% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 326 | 326 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450220 | $XXX | Retirement Income - Fully Verified | 740 | 48.895% | 55.432% | 55.432% | No | No |  | XXX | 6/XX/2022 | Permissible |  |  |  |  |  | Fixed Rate | 332 | 332 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449883 |  | 2yr Full Doc | 757 | 29.414% | 50.000% | 50.000% | No | No |  | XXX | 6/XX/2022 | Permissible |  |  |  |  |  | Fixed Rate | 334 | 334 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449042 | $XXX | 2yr Full Doc | 780 | 40.602% | 95.000% | 95.000% | No | No |  | XXX | 4/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 321 | 321 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450802 |  | 1yr Full Doc | 713 | 43.000% | 65.000% | 65.000% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 333 | 333 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449622 |  | 2yr Full Doc | 670 | 36.332% | 76.083% | 76.083% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 326 | 326 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450229 |  | 2yr Full Doc | 789 | 34.264% | 55.315% | 55.315% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 324 | 324 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449428 |  | 1yr Full Doc | 800 | 28.578% | 37.833% | 37.833% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 147 | 147 | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450947 | $XXX | 1yr Full Doc | 792 | 22.385% | 80.000% | 80.000% | No | No |  | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 326 | 326 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450860 | $XXX | 2yr Full Doc | 738 | 46.495% | 90.000% | 90.000% | No | No |  | XXX | 2/XX/2022 | Permissible |  |  |  |  |  | Fixed Rate | 333 | 333 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.000% | XXX | XXX | FHA |  |  |  |
| 6452449611 |  | 2yr Full Doc | 712 | 46.171% | 37.584% | 49.329% | No | Yes | $35000.00 | XXX | 11/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 209 | 209 | Fixed | XX/XX/XXXX | 240 | 240 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450245 | $XXX | 2yr Full Doc | 655 | 39.179% | 98.188% | 98.188% | No | No |  | XXX | 1/XX/2022 | Permissible |  |  |  |  |  | Fixed Rate | 331 | 331 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | FHA |  |  |  |
| 6452450440 | $XXX | 1yr Full Doc | 755 | 20.640% | 80.000% | 80.000% | No | No |  | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 326 | 326 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450240 | $XXX | 2yr Full Doc | 650 | 49.322% | 80.000% | 80.000% | No | No |  | XXX | 6/XX/2022 | Permissible |  |  |  |  |  | Fixed Rate | 155 | 155 | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449394 | $XXX | 2yr Full Doc | 793 | 31.093% | 78.947% | 78.947% | No | No |  | XXX | 8/XX/2020 | Permissible |  |  |  |  |  | Fixed Rate | 313 | 313 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449159 | $XXX | 2yr Full Doc | 798 | 33.015% | 80.000% | 80.000% | No | No |  | XXX | 12/XX/2020 | Permissible |  |  |  |  |  | Fixed Rate | 317 | 317 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449070 |  | 2yr Full Doc | 799 | 33.813% | 45.414% | 47.043% | No | Yes | $29483.03 | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 319 | 319 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449672 |  | 1yr Full Doc | 753 | 35.001% | 29.565% | 29.565% | No | No |  | XXX | 11/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 305 | 305 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449969 |  | 2yr Full Doc | 745 | 43.502% | 65.273% | 65.273% | No | No |  | XXX | 11/XX/2020 | Permissible |  |  |  |  |  | Fixed Rate | 315 | 315 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449448 |  | 1yr Full Doc | 783 | 37.626% | 79.059% | 79.059% | No | No |  | XXX | 1/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 317 | 317 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449806 |  | 1yr Full Doc | 717 | 44.563% | 78.882% | 78.882% | No | No |  | XXX | 8/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 303 | 303 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450252 |  | 1yr Full Doc | 776 | 31.086% | 54.839% | 54.839% | No | No |  | XXX | 11/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 305 | 305 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449710 |  | 1yr Full Doc | 703 | 37.935% | 51.515% | 51.515% | No | No |  | XXX | 11/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 304 | 304 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450614 | $XXX | 2yr Full Doc | 737 | 40.754% | 95.000% | 95.000% | No | No |  | XXX | 2/XX/2020 | Permissible |  |  |  |  |  | Fixed Rate | 306 | 306 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450166 |  | 2yr Full Doc | 670 | 37.031% | 63.333% | 63.333% | No | No |  | XXX | 8/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 303 | 303 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450283 | $XXX | 1yr Full Doc | 727 | 27.407% | 80.000% | 80.000% | No | No |  | XXX | 1/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 321 | 321 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449477 |  | 1yr Full Doc | 732 | 44.972% | 65.083% | 65.083% | No | No |  | XXX | 12/XX/2018 | Permissible |  |  |  |  |  | Fixed Rate | 296 | 296 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449897 |  | 2yr Full Doc | 755 | 22.873% | 71.927% | 71.927% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 304 | 304 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450427 |  | 2yr Full Doc | 771 | 32.645% | 43.667% | 43.667% | No | No |  | XXX | 2/XX/2020 | Permissible |  |  |  |  |  | Fixed Rate | 306 | 306 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450089 | $XXX | 2yr Full Doc | 714 | 47.206% | 95.000% | 95.000% | No | No |  | XXX | 1/XX/2020 | Permissible |  |  |  |  |  | Fixed Rate | 306 | 306 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450065 | $XXX | 2yr Full Doc | 768 | 30.077% | 60.000% | 60.000% | No | No |  | XXX | 2/XX/2020 | Permissible |  |  |  |  |  | Fixed Rate | 307 | 307 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450667 | $XXX | 1yr Full Doc | 637 | 37.271% | 95.000% | 95.000% | No | No |  | XXX | 12/XX/2020 | Permissible |  |  |  |  |  | Fixed Rate | 316 | 316 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450738 |  | 2yr Full Doc | 674 | 26.615% | 65.714% | 65.714% | No | No |  | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 316 | 316 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451104 |  | Reduced | 678 | 50.247% | 17.617% | 22.897% | No | Yes | $70226.00 | XXX | 1/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 296 | 296 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451130 | $XXX | 1yr Full Doc | 672 | 24.487% | 80.000% | 80.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 322 | 322 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450125 | $XXX | 1yr Full Doc | 751 | 44.031% | 95.000% | 95.000% | No | No |  | XXX | 8/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 301 | 301 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451094 | $XXX | 2yr Full Doc | 753 | 36.885% | 97.000% | 97.000% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 319 | 319 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451224 |  | 2yr Full Doc | 701 | 41.143% | 56.765% | 56.765% | No | No |  | XXX | 12/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 304 | 304 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449333 |  | 1yr Full Doc | 790 | 50.497% | 47.571% | 47.571% | No | No |  | XXX | 11/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 305 | 305 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450876 | $XXX | 2yr Full Doc | 693 | 28.963% | 91.646% | 91.646% | No | No |  | XXX | 2/XX/2019 | Permissible |  |  |  |  |  | Fixed Rate | 294 | 294 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451160 |  | 2yr Full Doc | 736 | 40.869% | 73.898% | 73.898% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | Fixed Rate | 143 | 143 | Fixed | XX/XX/XXXX | 180 | 180 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449390 | $XXX | 1yr Full Doc | 776 | 46.008% | 80.000% | 80.000% | No | No |  | XXX | 7/XX/2023 | Permissible |  |  |  |  |  | Fixed Rate | 348 | 348 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450315 | $XXX | 1yr Full Doc | 659 | 48.221% | 76.250% | 76.250% | No | No |  | XXX | 11/XX/2023 | Permissible |  |  |  |  |  | Fixed Rate | 352 | 352 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 100.000% | XXX | XXX | FHA |  |  |  |
| 6452451136 |  | 2yr Full Doc | 799 | 36.469% | 32.907% | 43.497% | No | Yes | $57926.00 | XXX |  | Permissible |  |  |  |  |  | Fixed Rate | 350 | 350 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450951 | $XXX | 2yr Full Doc | 774 | 40.846% | 75.000% | 75.000% | No | No |  | XXX | 6/XX/2023 | Permissible |  |  |  |  |  | Fixed Rate | 349 | 349 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450795 | $XXX | 2yr Full Doc | 691 | 31.420% | 97.000% | 97.000% | No | No |  | XXX | 8/XX/2023 | Permissible |  |  |  |  |  | Fixed Rate | 349 | 349 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449756 | $XXX | Less than 12mo Bank Statements | 733 | 33.204% | 90.000% | 90.000% | No | No |  | XXX | 10/XX/2023 | Permissible |  |  |  |  |  | Fixed Rate | 351 | 351 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451014 | $XXX | 1yr Full Doc | 642 | 42.365% | 82.143% | 82.143% | No | No |  | XXX | 8/XX/2023 | Permissible |  |  |  |  |  | Fixed Rate | 350 | 350 | Fixed | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.600% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451252 |  | 2yr Full Doc | 815 | 27.615% | 87.740% | 87.740% | No | No |  | XXX | 9/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 8.750% | 1.500% | 2.250% | 2.000% | 2.000% | 5.000% | 8.750% | 1.500% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449035 | $XXX | 1yr Full Doc | 725 | 32.312% | 56.481% | 56.481% | No | No |  | XXX | 8/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 10/XX/2027 | 9/XX/2027 | 10/XX/2027 | 9/XX/2027 | 2.000% | 4.875% |  | 3.000% | 2.000% | 2.000% | 5.000% | 7.875% |  | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449410 | $XXX | 2yr Full Doc | 787 | 40.935% | 75.000% | 75.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 11/XX/2028 | 10/XX/2028 | 11/XX/2028 | 10/XX/2028 | 2.000% | 5.125% | 0.125% | 3.000% | 2.000% | 2.000% | 5.000% | 8.125% | 0.125% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450645 |  | 1yr Full Doc | 715 | 35.557% | 51.033% | 51.033% | No | No |  | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 12/XX/2028 | 11/XX/2028 | 12/XX/2028 | 11/XX/2028 | 2.000% | 4.625% |  | 3.000% | 2.000% | 2.000% | 5.000% | 7.625% |  | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450408 |  | 2yr Full Doc | 680 | 30.140% | 53.750% | 53.750% | No | No |  | XXX | 12/XX/2016 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 4/XX/2027 | 3/XX/2027 | 4/XX/2027 | 3/XX/2027 | 2.000% | 5.500% | 1.250% | 2.250% | 2.000% | 2.000% | 5.000% | 8.500% | 1.250% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449796 | $XXX | 2yr Full Doc | 732 | 43.051% | 90.000% | 90.000% | No | No |  | XXX | 9/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 8.625% | 1.375% | 2.250% | 2.000% | 2.000% | 5.000% | 8.625% | 1.375% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449589 |  | 2yr Full Doc | 784 | 24.727% | 70.727% | 70.727% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 1/XX/2030 | 12/XX/2029 | 1/XX/2030 | 12/XX/2029 | 5.000% | 7.875% | 0.625% | 2.250% | 2.000% | 2.000% | 5.000% | 7.875% | 0.625% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449228 |  | 2yr Full Doc | 745 | 44.100% | 81.442% | 81.442% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 2/XX/2030 | 1/XX/2030 | 2/XX/2030 | 1/XX/2030 | 5.000% | 8.500% | 1.250% | 2.250% | 2.000% | 2.000% | 5.000% | 8.500% | 1.250% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450101 | $XXX | 2yr Full Doc | 776 | 17.296% | 80.000% | 80.000% | No | No |  | XXX | 11/XX/2019 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | LIBOR - 1 Year (Daily) | 2.250% | 12 | 12 | 2/XX/2030 | 1/XX/2030 | 2/XX/2030 | 1/XX/2030 | 5.000% | 8.750% | 1.500% | 2.250% | 2.000% | 2.000% | 5.000% | 8.750% | 1.500% | 2.250% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450909 |  | 2yr Full Doc | 785 | 38.997% | 59.072% | 59.072% | No | No |  | XXX | 4/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Month CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2031 | 1/XX/2031 | 2/XX/2031 | 1/XX/2031 | 5.000% | 8.500% | 0.750% | 2.750% | 12.000% | 12.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451159 |  | 1yr Full Doc | 785 | 44.917% | 61.935% | 61.935% | No | No |  | XXX | 4/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2031 | 1/XX/2031 | 2/XX/2031 | 1/XX/2031 | 5.000% | 8.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450249 |  | 2yr Full Doc | 779 | 25.742% | 76.923% | 76.923% | No | No |  | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 4/XX/2031 | 3/XX/2031 | 4/XX/2031 | 3/XX/2031 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451156 | $XXX | 2yr Full Doc | 778 | 17.128% | 90.000% | 90.000% | No | No |  | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 2.750% | 12 | 12 | 2/XX/2031 | 1/XX/2031 | 2/XX/2031 | 1/XX/2031 | 5.000% | 8.000% | 0.250% | 2.750% | 2.000% | 2.000% | 5.000% | 8.000% | 0.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450490 |  | 2yr Full Doc | 771 | 20.570% | 86.429% | 86.429% | No | No |  | XXX | 12/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 4/XX/2031 | 3/XX/2031 | 4/XX/2031 | 3/XX/2031 | 5.000% | 8.250% | 0.500% | 2.750% | 2.000% | 2.000% | 5.000% | 8.250% | 0.500% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449828 |  | 2yr Full Doc | 804 | 26.851% | 80.000% | 80.000% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Daily) | 2.750% | 12 | 12 | 4/XX/2031 | 3/XX/2031 | 4/XX/2031 | 3/XX/2031 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450306 |  | 1yr Full Doc | 805 | 10.541% | 90.000% | 90.000% | No | No |  | XXX | 1/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 3/XX/2031 | 2/XX/2031 | 3/XX/2031 | 2/XX/2031 | 5.000% | 7.875% | 0.125% | 2.750% | 1.000% | 1.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450658 | $XXX | 2yr Full Doc | 783 | 18.142% | 90.000% | 90.000% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 4/XX/2028 | 3/XX/2028 | 4/XX/2028 | 3/XX/2028 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450930 |  | 2yr Full Doc | 715 | 17.506% | 89.951% | 89.951% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2028 | 6/XX/2028 | 7/XX/2028 | 6/XX/2028 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449007 | $XXX | 2yr Full Doc | 764 | 34.924% | 90.000% | 90.000% | No | No |  | XXX | 4/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2031 | 6/XX/2031 | 7/XX/2031 | 6/XX/2031 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450726 |  | 2yr Full Doc | 717 | 19.007% | 85.000% | 85.000% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2028 | 6/XX/2028 | 7/XX/2028 | 6/XX/2028 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449977 |  | 2yr Full Doc | 774 | 21.602% | 80.000% | 80.000% | No | No |  | XXX | 12/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2029 | 1/XX/2029 | 2/XX/2029 | 1/XX/2029 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449464 |  | 2yr Full Doc | 757 | 24.759% | 83.733% | 83.733% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2031 | 8/XX/2031 | 9/XX/2031 | 8/XX/2031 | 5.000% | 8.125% | 0.375% | 2.750% | 2.000% | 2.000% | 5.000% | 8.125% | 0.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450263 |  | 2yr Full Doc | 791 | 43.211% | 78.977% | 78.977% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2031 | 8/XX/2031 | 9/XX/2031 | 8/XX/2031 | 5.000% | 8.000% | 0.250% | 2.750% | 2.000% | 2.000% | 5.000% | 8.000% | 0.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449496 | $XXX | 1yr Full Doc | 737 | 41.369% | 80.000% | 80.000% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2031 | 8/XX/2031 | 9/XX/2031 | 8/XX/2031 | 5.000% | 8.000% | 0.250% | 2.750% | 2.000% | 2.000% | 5.000% | 8.000% | 0.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449479 |  | 2yr Full Doc | 763 | 46.436% | 75.472% | 75.472% | No | No |  | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 1/XX/2029 | 12/XX/2028 | 1/XX/2029 | 12/XX/2028 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449078 |  | 1yr Full Doc | 778 | 36.824% | 73.297% | 73.297% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2031 | 9/XX/2031 | 10/XX/2031 | 9/XX/2031 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449503 | $XXX | 2yr Full Doc | 737 | 25.408% | 90.000% | 90.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2031 | 9/XX/2031 | 10/XX/2031 | 9/XX/2031 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450362 | $XXX | Asset Depletion | 816 | 40.903% | 70.000% | 70.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2031 | 9/XX/2031 | 10/XX/2031 | 9/XX/2031 | 5.000% | 8.125% | 0.375% | 2.750% | 2.000% | 2.000% | 5.000% | 8.125% | 0.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450735 | $XXX | 2yr Full Doc | 765 | 18.255% | 90.000% | 90.000% | No | No |  | XXX | 8/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 11/XX/2031 | 10/XX/2031 | 11/XX/2031 | 10/XX/2031 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449541 |  | 2yr Full Doc | 784 | 17.278% | 80.000% | 80.000% | No | No |  | XXX | 12/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 3/XX/2029 | 2/XX/2029 | 3/XX/2029 | 2/XX/2029 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450192 |  | 2yr Full Doc | 775 | 40.480% | 80.000% | 80.000% | No | No |  | XXX | 7/XX/2022 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2029 | 8/XX/2029 | 9/XX/2029 | 8/XX/2029 | 5.000% | 9.125% | 1.375% | 2.750% | 2.000% | 2.000% | 5.000% | 9.125% | 1.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450342 |  | 2yr Full Doc | 784 | 31.830% | 90.000% | 90.000% | No | No |  | XXX | 6/XX/2022 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2029 | 9/XX/2029 | 10/XX/2029 | 9/XX/2029 | 5.000% | 9.750% | 2.000% | 2.750% | 2.000% | 2.000% | 5.000% | 9.750% | 2.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449432 |  | 2yr Full Doc | 763 | 29.778% | 77.083% | 77.083% | No | No |  | XXX | 5/XX/2022 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2029 | 5/XX/2029 | 6/XX/2029 | 5/XX/2029 | 5.000% | 8.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449519 | $XXX | 2yr Full Doc | 764 | 46.686% | 87.500% | 87.500% | No | No |  | XXX | 9/XX/2022 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 9.625% | 1.875% | 2.750% | 2.000% | 2.000% | 5.000% | 9.625% | 1.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451170 | $XXX | 2yr Full Doc | 765 | 38.124% | 90.000% | 90.000% | No | No |  | XXX | 9/XX/2022 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 11/XX/2029 | 10/XX/2029 | 11/XX/2029 | 10/XX/2029 | 5.000% | 9.750% | 2.000% | 2.750% | 2.000% | 2.000% | 5.000% | 9.750% | 2.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450651 |  | 1yr Full Doc | 729 | 30.498% | 69.770% | 69.770% | No | No |  | XXX | 9/XX/2022 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 10.375% | 2.625% | 2.750% | 2.000% | 2.000% | 5.000% | 10.375% | 2.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450196 | $XXX | 1yr Full Doc | 771 | 30.743% | 90.000% | 90.000% | No | No |  | XXX | 9/XX/2022 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 11.500% | 3.750% | 2.750% | 2.000% | 2.000% | 5.000% | 11.500% | 3.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451196 | $XXX | 2yr Full Doc | 714 | 40.373% | 85.000% | 85.000% | No | No |  | XXX | 11/XX/2022 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2029 | 11/XX/2029 | 12/XX/2029 | 11/XX/2029 | 5.000% | 10.375% | 2.625% | 2.750% | 2.000% | 2.000% | 5.000% | 10.375% | 2.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449832 | $XXX | 2yr Full Doc | 808 | 39.135% | 78.089% | 78.089% | No | No |  | XXX | 5/XX/2023 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2028 | 5/XX/2028 | 6/XX/2028 | 5/XX/2028 | 2.000% | 7.750% | 2.000% | 3.750% | 2.000% | 2.000% | 5.000% | 10.750% | 3.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450844 | $XXX | 2yr Full Doc | 790 | 40.600% | 82.604% | 82.604% | No | No |  | XXX | 8/XX/2023 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | SOFR 30 Day Average | 2.750% | 12 | 12 | 10/XX/2028 | 9/XX/2028 | 10/XX/2028 | 9/XX/2028 | 2.000% | 9.000% | 4.250% | 2.750% | 1.000% | 1.000% | 5.000% | 12.000% | 4.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450734 |  | Retirement Income - Fully Verified | 792 | 40.844% | 67.816% | 67.816% | No | No |  | XXX | 11/XX/2016 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2027 | 1/XX/2027 | 2/XX/2027 | 1/XX/2027 | 2.000% | 5.750% | 1.000% | 2.750% | 2.000% | 2.000% | 5.000% | 8.750% | 1.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451221 | $XXX | 2yr Full Doc | 709 | 40.395% | 60.000% | 60.000% | No | No |  | XXX | 2/XX/2017 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 5/XX/2027 | 4/XX/2027 | 5/XX/2027 | 4/XX/2027 | 2.000% | 6.750% | 2.000% | 2.750% | 2.000% | 2.000% | 5.000% | 9.750% | 2.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449659 | $XXX | 1yr Full Doc | 759 | 43.688% | 75.000% | 75.000% | No | No |  | XXX | 5/XX/2017 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2027 | 6/XX/2027 | 7/XX/2027 | 6/XX/2027 | 2.000% | 6.500% | 1.750% | 2.750% | 2.000% | 2.000% | 5.000% | 9.500% | 1.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449615 |  | 2yr Full Doc | 684 | 42.706% | 51.297% | 51.297% | No | No |  | XXX | 1/XX/2018 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 3/XX/2028 | 2/XX/2028 | 3/XX/2028 | 2/XX/2028 | 2.000% | 5.990% | 0.990% | 3.000% | 2.000% | 2.000% | 5.000% | 8.990% | 0.990% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450743 | $XXX | 2yr Full Doc | 776 | 30.730% | 75.000% | 75.000% | No | No |  | XXX | 2/XX/2018 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 4/XX/2028 | 3/XX/2028 | 4/XX/2028 | 3/XX/2028 | 2.000% | 6.375% | 1.625% | 2.750% | 2.000% | 2.000% | 5.000% | 9.375% | 1.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450952 | $XXX | 2yr Full Doc | 781 | 38.150% | 72.497% | 72.497% | No | No |  | XXX | 10/XX/2019 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 2/XX/2027 | 1/XX/2027 | 2/XX/2027 | 1/XX/2027 | 2.000% | 5.500% | 0.500% | 3.000% | 2.000% | 2.000% | 5.000% | 8.500% | 0.500% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450150 |  | 2yr Full Doc | 805 | 22.255% | 55.152% | 55.152% | No | No |  | XXX | 9/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450647 | $XXX | 2yr Full Doc | 668 | 30.776% | 80.000% | 80.000% | No | No |  | XXX | 3/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 6/XX/2027 | 5/XX/2027 | 6/XX/2027 | 5/XX/2027 | 2.000% | 6.250% | 1.250% | 3.000% | 2.000% | 2.000% | 5.000% | 9.250% | 1.250% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450945 | $XXX | 2yr Full Doc | 752 | 38.278% | 68.254% | 68.254% | No | No |  | XXX | 4/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Month CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2027 | 5/XX/2027 | 6/XX/2027 | 5/XX/2027 | 2.000% | 6.000% | 1.250% | 2.750% | 2.000% | 2.000% | 5.000% | 9.000% | 1.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450472 |  | 2yr Full Doc | 688 | 46.824% | 65.000% | 65.000% | No | No |  | XXX | 4/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 7/XX/2027 | 6/XX/2027 | 7/XX/2027 | 6/XX/2027 | 2.000% | 5.500% | 0.500% | 3.000% | 2.000% | 2.000% | 5.000% | 8.500% | 0.500% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450074 | $XXX | 2yr Full Doc | 785 | 43.566% | 38.462% | 38.462% | No | No |  | XXX | 6/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2027 | 8/XX/2027 | 9/XX/2027 | 8/XX/2027 | 2.000% | 5.375% | 0.625% | 2.750% | 2.000% | 2.000% | 5.000% | 8.375% | 0.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450682 | $XXX | 2yr Full Doc | 747 | 23.102% | 60.000% | 60.000% | No | No |  | XXX | 6/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2027 | 7/XX/2027 | 8/XX/2027 | 7/XX/2027 | 2.000% | 5.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450528 | $XXX | 2yr Full Doc | 756 | 25.304% | 80.000% | 80.000% | No | No |  | XXX | 6/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2027 | 8/XX/2027 | 9/XX/2027 | 8/XX/2027 | 2.000% | 5.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450542 | $XXX | 2yr Full Doc | 794 | 23.242% | 80.000% | 80.000% | No | No |  | XXX | 7/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 10/XX/2027 | 9/XX/2027 | 10/XX/2027 | 9/XX/2027 | 2.000% | 4.875% |  | 3.000% | 2.000% | 2.000% | 5.000% | 7.875% |  | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449724 | $XXX | Asset Depletion | 786 | 38.603% | 78.947% | 78.947% | No | No |  | XXX | 7/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 11/XX/2027 | 10/XX/2027 | 11/XX/2027 | 10/XX/2027 | 2.000% | 5.375% | 0.625% | 2.750% | 2.000% | 2.000% | 5.000% | 8.375% | 0.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450363 | $XXX | 2yr Full Doc | 678 | 38.926% | 75.000% | 75.000% | No | No |  | XXX | 8/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 2.750% | 12 | 12 | 10/XX/2027 | 9/XX/2027 | 10/XX/2027 | 9/XX/2027 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450574 | $XXX | 1yr Full Doc | 725 | 47.193% | 54.167% | 54.167% | No | No |  | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 5.375% | 0.375% | 3.000% | 2.000% | 2.000% | 5.000% | 8.375% | 0.375% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450840 |  | 2yr Full Doc | 805 | 17.002% | 55.300% | 55.300% | No | No |  | XXX | 9/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449895 | $XXX | 2yr Full Doc | 710 | 38.003% | 75.000% | 75.000% | No | No |  | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 12/XX/2027 | 11/XX/2027 | 12/XX/2027 | 11/XX/2027 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449105 | $XXX | Retirement Income - Fully Verified | 778 | 47.231% | 65.000% | 65.000% | No | No |  | XXX | 11/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 2/XX/2028 | 1/XX/2028 | 2/XX/2028 | 1/XX/2028 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451200 | $XXX | 2yr Full Doc | 756 | 12.325% | 80.000% | 80.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 2.000% | 5.000% | 0.250% | 2.750% | 2.000% | 2.000% | 5.000% | 8.000% | 0.250% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449576 |  | Asset Depletion | 799 | 42.680% | 53.294% | 53.294% | No | No |  | XXX | 12/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 5/XX/2028 | 4/XX/2028 | 5/XX/2028 | 4/XX/2028 | 2.000% | 4.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450836 | $XXX | 1yr Full Doc | 718 | 45.092% | 80.000% | 80.000% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 5/XX/2031 | 4/XX/2031 | 5/XX/2031 | 4/XX/2031 | 2.000% | 5.375% | 0.625% | 2.750% | 2.000% | 2.000% | 5.000% | 8.375% | 0.625% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450859 | $XXX | 2yr Full Doc | 779 | 27.740% | 51.338% | 51.338% | No | No |  | XXX | 2/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2028 | 6/XX/2028 | 7/XX/2028 | 6/XX/2028 | 2.000% | 5.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450568 | $XXX | 2yr Full Doc | 812 | 23.896% | 75.000% | 75.000% | No | No |  | XXX | 3/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 5/XX/2028 | 4/XX/2028 | 5/XX/2028 | 4/XX/2028 | 2.000% | 5.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451099 | $XXX | 2yr Full Doc | 739 | 43.439% | 75.000% | 75.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 2.000% | 5.625% | 0.625% | 3.000% | 2.000% | 2.000% | 5.000% | 8.625% | 0.625% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449563 |  | 2yr Full Doc | 780 | 19.932% | 40.000% | 40.000% | No | No |  | XXX | 3/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2028 | 5/XX/2028 | 6/XX/2028 | 5/XX/2028 | 2.000% | 5.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% | 0.750% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449692 |  | 2yr Full Doc | 751 | 34.452% | 42.105% | 42.105% | No | No |  | XXX | 4/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Month CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2028 | 6/XX/2028 | 7/XX/2028 | 6/XX/2028 | 2.000% | 5.500% | 0.750% | 2.750% | 2.000% | 2.000% | 5.000% | 8.500% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450126 |  | 1yr Full Doc | 806 | 31.905% | 70.000% | 70.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2028 | 9/XX/2028 | 10/XX/2028 | 9/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449469 | $XXX | 2yr Full Doc | 683 | 29.769% | 57.576% | 57.576% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2028 | 7/XX/2028 | 8/XX/2028 | 7/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449229 |  | 2yr Full Doc | 776 | 22.697% | 70.000% | 70.000% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2031 | 7/XX/2031 | 8/XX/2031 | 7/XX/2031 | 2.000% | 5.750% | 1.000% | 2.750% | 2.000% | 2.000% | 5.000% | 8.750% | 1.000% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451009 | $XXX | 2yr Full Doc | 797 | 67.015% | 60.000% | 60.000% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 8/XX/2028 | 7/XX/2028 | 8/XX/2028 | 7/XX/2028 | 2.000% | 5.625% | 0.625% | 3.000% | 2.000% | 2.000% | 5.000% | 8.625% | 0.625% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450332 | $XXX | 2yr Full Doc | 721 | 29.966% | 80.000% | 80.000% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Monthly) | 2.750% | 12 | 12 | 8/XX/2031 | 7/XX/2031 | 8/XX/2031 | 7/XX/2031 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449327 | $XXX | 2yr Full Doc | 772 | 42.605% | 70.000% | 70.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2028 | 7/XX/2028 | 8/XX/2028 | 7/XX/2028 | 2.000% | 6.125% | 1.375% | 2.750% | 2.000% | 2.000% | 5.000% | 9.125% | 1.375% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450329 |  | 2yr Full Doc | 773 | 42.377% | 70.000% | 70.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 2.750% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449682 |  | 2yr Full Doc | 800 | 28.243% | 55.000% | 55.000% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 2.750% | 12 | 12 | 9/XX/2028 | 8/XX/2028 | 9/XX/2028 | 8/XX/2028 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449389 | $XXX | 1yr Full Doc | 790 | 17.441% | 75.000% | 75.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 10/XX/2031 | 9/XX/2031 | 10/XX/2031 | 9/XX/2031 | 2.000% | 5.875% | 0.875% | 3.000% | 2.000% | 2.000% | 5.000% | 8.875% | 0.875% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450299 | $XXX | 2yr Full Doc | 721 | 44.596% | 75.000% | 75.000% | No | No |  | XXX | 8/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2028 | 9/XX/2028 | 10/XX/2028 | 9/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450186 |  | 2yr Full Doc | 813 | 35.929% | 44.118% | 44.118% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 10/XX/2028 | 9/XX/2028 | 10/XX/2028 | 9/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% |  |  | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449418 |  | 1yr Full Doc | 795 | 29.106% | 70.000% | 70.000% | No | No |  | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 1/XX/2029 | 12/XX/2028 | 1/XX/2029 | 12/XX/2028 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449151 | $XXX | 2yr Full Doc | 742 | 28.568% | 73.000% | 73.000% | No | No |  | XXX | 9/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 12/XX/2028 | 11/XX/2028 | 12/XX/2028 | 11/XX/2028 | 2.000% | 5.625% | 0.625% | 3.000% | 2.000% | 2.000% | 5.000% | 8.625% | 0.625% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450780 | $XXX | 2yr Full Doc | 634 | 39.231% | 75.000% | 75.000% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 1/XX/2032 | 12/XX/2031 | 1/XX/2032 | 12/XX/2031 | 2.000% | 5.625% | 0.875% | 2.750% | 2.000% | 2.000% | 5.000% | 8.625% | 0.875% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450285 | $XXX | 2yr Full Doc | 780 | 35.957% | 74.271% | 74.271% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 3.000% | 12 | 12 | 12/XX/2028 | 11/XX/2028 | 12/XX/2028 | 11/XX/2028 | 2.000% | 5.625% | 0.625% | 3.000% | 2.000% | 2.000% | 5.000% | 8.625% | 0.625% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449312 | $XXX | 1yr Full Doc | 776 | 28.149% | 85.000% | 85.000% | No | No |  | XXX | 10/XX/2020 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 1/XX/2031 | 12/XX/2030 | 1/XX/2031 | 12/XX/2030 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449429 | $XXX | 2yr Full Doc | 744 | 26.078% | 79.913% | 79.913% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 6/XX/2028 | 5/XX/2028 | 6/XX/2028 | 5/XX/2028 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450246 |  | 2yr Full Doc | 725 | 42.938% | 78.980% | 78.980% | No | No |  | XXX | 3/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 5/XX/2028 | 4/XX/2028 | 5/XX/2028 | 4/XX/2028 | 5.000% | 7.625% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.625% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452451045 |  | 2yr Full Doc | 762 | 39.784% | 79.530% | 79.530% | No | No |  | XXX | 6/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2028 | 7/XX/2028 | 8/XX/2028 | 7/XX/2028 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449868 | $XXX | 1yr Full Doc | 800 | 21.662% | 90.000% | 90.000% | No | No |  | XXX | 4/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 7/XX/2031 | 6/XX/2031 | 7/XX/2031 | 6/XX/2031 | 5.000% | 8.250% | 0.500% | 2.750% | 2.000% | 2.000% | 5.000% | 8.250% | 0.500% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452450764 | $XXX | 2yr Full Doc | 785 | 38.439% | 90.000% | 90.000% | No | No |  | XXX | 5/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 8/XX/2031 | 7/XX/2031 | 8/XX/2031 | 7/XX/2031 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 25.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452449343 | $XXX | 2yr Full Doc | 794 | 44.464% | 80.000% | 80.000% | No | No |  | XXX | 7/XX/2021 | Permissible |  |  |  |  |  | 10/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 9/XX/2031 | 8/XX/2031 | 9/XX/2031 | 8/XX/2031 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449875 | $XXX | 1yr Full Doc | 786 | 37.948% | 85.000% | 85.000% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 348 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 1/XX/2029 | 12/XX/2028 | 1/XX/2029 | 12/XX/2028 | 5.000% | 7.875% | 0.125% | 2.750% | 2.000% | 2.000% | 5.000% | 7.875% | 0.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.000% | XXX | XXX | Borrower Paid |  |  |  |
| 6452451209 |  | 2yr Full Doc | 759 | 42.661% | 69.231% | 69.231% | No | No |  | XXX | 11/XX/2021 | Permissible |  |  |  |  |  | 12 Month Interest Only, Adjustable Rate |  |  | ARM | XX/XX/XXXX | 348 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 3/XX/2029 | 1/XX/2029 | 3/XX/2029 | 1/XX/2029 | 5.000% | 7.750% |  | 2.750% | 2.000% | 2.000% | 5.000% | 7.750% |  | 2.750% | Yes | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450747 |  | 2yr Full Doc | 759 | 30.203% | 75.000% | 75.000% | No | No |  | XXX | 7/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 11/XX/2027 | 10/XX/2027 | 11/XX/2027 | 10/XX/2027 | 2.000% | 5.750% | 0.750% | 3.000% | 2.000% | 2.000% | 5.000% | 8.750% | 0.750% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449914 | $XXX | 2yr Full Doc | 684 | 27.356% | 70.000% | 70.000% | No | No |  | XXX | 8/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 3.000% | 12 | 12 | 11/XX/2027 | 10/XX/2027 | 11/XX/2027 | 10/XX/2027 | 2.000% | 5.375% | 0.375% | 3.000% | 2.000% | 2.000% | 5.000% | 8.375% | 0.375% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452450657 | $XXX | 2yr Full Doc | 783 | 46.235% | 62.162% | 62.162% | No | No |  | XXX | 8/XX/2020 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Daily) | 3.000% | 12 | 12 | 11/XX/2027 | 10/XX/2027 | 11/XX/2027 | 10/XX/2027 | 2.000% | 5.375% | 0.375% | 3.000% | 2.000% | 2.000% | 5.000% | 8.375% | 0.375% | 3.000% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 6452449075 | $XXX | 1yr Full Doc | 728 | 21.748% | 60.000% | 60.000% | No | No |  | XXX | 10/XX/2021 | Permissible |  |  |  |  |  | 7/1 Adjustable Rate |  |  | ARM | XX/XX/XXXX | 360 | 360 |  | US Treasury - 1 Year CMT (Weekly) | 2.750% | 12 | 12 | 1/XX/2029 | 12/XX/2028 | 1/XX/2029 | 12/XX/2028 | 2.000% | 5.875% | 1.125% | 2.750% | 2.000% | 2.000% | 5.000% | 8.875% | 1.125% | 2.750% | No | No |  |  | No |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Base/Upsize** | **LoanID** | **Seller Loan ID** | **Servicer Loan ID** | **Loan Exception ID** | **Exception Type** | **Exception Grade** | **Exception** | **Exception Detail** | **Exception Information** | **Amount of Underdisclosure** | **Compliance Factors** | **Subject to Predatory - Unable to Test** | **Origination Date** | **Statute of Limitation Date** | **State** | **Purpose at Origination** | **Occupancy at Origination** | **Disposition 3 UAL State** | **Date Reported by AMC** | **Date Cure Provided** | **Cured / Waived** | **Cleared** | **Issue with Cure Doc** | **Unable to Clear** | **QM Status** | **Seller Comments** | **AMC Additional Comments** |
| 6452449854 | Upsize | XXX | XXX | XXX | 398826 | compliance | 1 | (Missing Data) Application Date | No evidence of application date located in file. Compliance tests were run using an application date of 3/XX/2000 which is 30 days prior to the note date. |  |  |  |  | 4/XX/2000 |  | NY | Purchase | Primary | No<br> A | 2/XX/2016 | 2/XX/2016 |  | Yes |  |  |  | 2016/XX/19: Docs were submitted for second round of trailing docs.<br>2016/XX/19: No new docs to clear any exceptions.<br>2016/XX/23: Initial TIL was provided in 77 page trailing document. | 2016/XX/23: Initial TIL date used as initial application date. |
| 6452449854 | Upsize | XXX | XXX | XXX | 398828 | compliance | 1 | Missing Final HUD-1 | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  | A violation of RESPA does not impair the validity of a loan or expose a true secondary market purchaser of a loan to assignee liability or rescission of the loan. While there are no express private rights of action under either Section 4 or 5 of RESPA, originators who violate these provisions are subject to enforcement action by a host of federal and state governmental authorities, and face the possible imposition of civil money penalties. Further, originators who violate Sections 4 and 5 of RESPA could be subject to claims arising under state law, such as state deceptive acts and practices statutes. |  | 4/XX/2000 |  | NY | Purchase | Primary | No<br> A | 2/XX/2016 | 2/XX/2016 |  | Yes |  |  |  |  | 2016/XX/11: HUD provided. Condition cleared. |
| 6452449854 | Upsize | XXX | XXX | XXX | 398830 | compliance | 1 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2000 | 4/XX/2001 | NY | Purchase | Primary | No<br> A | 2/XX/2016 | 2/XX/2016 |  | Yes |  |  |  |  | 2016/XX/11: TIL provided. |
| 6452449854 | Upsize | XXX | XXX | XXX | 424033 | credit | 1 | Missing Valuation: |  | Missing appraisal required for FIRREA |  |  |  | 4/XX/2000 |  | NY | Purchase | Primary | No<br> A | 2/XX/2016 | 2/XX/2016 |  | Yes |  |  |  |  | 2016/XX/11: Appraisal provided. Condition cleared. |
| 6452449854 | Upsize | XXX | XXX | XXX | 446876 | compliance | 2 | Final TIL APR Under/Over Disclosed By Greater Than 0.125% | Truth In Lending Act: Final TIL APR of 8.69800% is underdisclosed from calculated APR of 8.82519% outside of 0.125% tolerance. |  |  | TILA APR - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2000 | 4/XX/2001 | NY | Purchase | Primary | No<br> B | 2/XX/2016 |  |  |  |  |  |  |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | 446877 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. |  | $607.77 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2000 | 4/XX/2001 | NY | Purchase | Primary | No<br> B | 2/XX/2016 |  |  |  |  |  |  |  |  |
| 6452450642 | Upsize | XXX | XXX | XXX | 3063638 | compliance | 3 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  | Yes | 3/XX/2004 |  | GA | Refinance - Rate/Term | Primary | No<br> D | 5/XX/2017 |  |  |  | Yes |  |  | 2017/XX/18: Additional HUD provide | 2017/XX/18: HUD not legible |
| 6452450642 | Upsize | XXX | XXX | XXX | 3063639 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 9/XX/2003. |  |  |  | Yes | 3/XX/2004 |  | GA | Refinance - Rate/Term | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450642 | Upsize | XXX | XXX | XXX | 3081198 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  | Yes | 3/XX/2004 |  | GA | Refinance - Rate/Term | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | 3053309 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 3/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> C | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | 3053386 | credit | 3 | Missing Document: FHA Case Number Assignment not provided |  |  |  |  |  | 3/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> C | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | 3053416 | credit | 2 | Loan has been identified as FHA/VA |  |  |  |  |  | 3/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | 3053425 | credit | 2 | Final Title Policy is missing. No evidence of title was found in file. |  |  |  |  |  | 3/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | 3053459 | compliance | 2 | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | 3/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | 3053460 | compliance | 2 | FHA Case Number Assignment Date Missing | FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. |  |  |  |  | 3/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | 3066672 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL Itemization did not disclose the closing fee of $XXX as a prepaid finance charge. The Lender's TIL reflects MI dropping off after 218 months, however, the audited TIL indicates MI should drop off after 216 months. | $395.52 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2006 | 3/XX/2009 | FL | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450492 | Upsize | XXX | XXX | XXX | 3056153 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 8/XX/2008 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450492 | Upsize | XXX | XXX | XXX | 3056273 | credit | 3 | Missing Document: FHA Mortgage Insurance Certificate not provided |  |  |  |  |  | 8/XX/2008 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450492 | Upsize | XXX | XXX | XXX | 3056277 | credit | 2 | Loan has been identified as FHA/VA |  |  |  |  |  | 8/XX/2008 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450492 | Upsize | XXX | XXX | XXX | 3056288 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 7/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 6/XX/2008. |  |  |  |  | 8/XX/2008 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450492 | Upsize | XXX | XXX | XXX | 3068893 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | 8/XX/2008 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | 3061143 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 12/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | 3061163 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  | 12/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | 3079697 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | 12/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> B | 5/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449958 | Upsize | XXX | XXX | XXX | 6860887 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005. |  |  |  |  | 12/XX/2005 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452449958 | Upsize | XXX | XXX | XXX | 6903136 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine cause of under-disclosure due to missing itemization of amount financed. | $269.10 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2005 | 12/XX/2008 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450754 | Upsize | XXX | XXX | XXX | 6846539 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 8/XX/2007 |  | NY | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450754 | Upsize | XXX | XXX | XXX | 6846645 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 8/XX/2007 |  | NY | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450754 | Upsize | XXX | XXX | XXX | 6846652 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | $583.98 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2007 | 8/XX/2010 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450754 | Upsize | XXX | XXX | XXX | 6846653 | compliance | 2 | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | 8/XX/2007 | 8/XX/2010 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450754 | Upsize | XXX | XXX | XXX | 6873571 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2007 |  | NY | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450754 | Upsize | XXX | XXX | XXX | 6873572 | compliance | 2 | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2007 | 8/XX/2008 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450754 | Upsize | XXX | XXX | XXX | 6873573 | compliance | 2 | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2007 | 8/XX/2008 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450063 | Upsize | XXX | XXX | XXX | 6944030 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  |  |  | 2/XX/2006 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450063 | Upsize | XXX | XXX | XXX | 6944031 | compliance | 2 | ARM Disclosure Status | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 2/XX/2006 | 2/XX/2007 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452450063 | Upsize | XXX | XXX | XXX | 6944032 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 2/XX/2006 | 2/XX/2007 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 6/XX/2018 |  |  |  |  |  |  |  |  |
| 6452449677 | Upsize | XXX | XXX | XXX | 10024098 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 2/XX/2007 |  | MD | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449677 | Upsize | XXX | XXX | XXX | 10024099 | compliance | 2 | RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure | RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 2/XX/2007 |  | MD | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449677 | Upsize | XXX | XXX | XXX | 10024100 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Unable to determine under disclosure due to missing Itemization of Amount Financed. | $278.15 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2007 | 2/XX/2008 | MD | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449677 | Upsize | XXX | XXX | XXX | 10024101 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  | 2/XX/2007 |  | MD | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449677 | Upsize | XXX | XXX | XXX | 10024102 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 2/XX/2007 |  | MD | Purchase | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449901 | Upsize | XXX | XXX | XXX | 10031745 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006. |  |  |  |  | 12/XX/2006 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449901 | Upsize | XXX | XXX | XXX | 10031746 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2006 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449901 | Upsize | XXX | XXX | XXX | 10031747 | compliance | 2 | ARM Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2006 | 12/XX/2007 | CA | Refinance - Rate/Term | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449901 | Upsize | XXX | XXX | XXX | 10031748 | compliance | 2 | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2006 | 12/XX/2007 | CA | Refinance - Rate/Term | Primary | No<br> B | 1/XX/2019 |  |  |  |  |  |  |  |  |
| 6452451203 | Upsize | XXX | XXX | XXX | 11119926 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2007 |  | NY | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451203 | Upsize | XXX | XXX | XXX | 11119927 | compliance | 2 | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 8/XX/2007 | 8/XX/2010 | NY | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451203 | Upsize | XXX | XXX | XXX | 11119928 | compliance | 2 | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. |  |  | TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | 8/XX/2007 | 8/XX/2010 | NY | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451203 | Upsize | XXX | XXX | XXX | 11119929 | compliance | 2 | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 8/XX/2007 | 8/XX/2010 | NY | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451116 | Upsize | XXX | XXX | XXX | 11127483 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 7/XX/2005 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451116 | Upsize | XXX | XXX | XXX | 11127484 | compliance | 2 | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 7/XX/2005 | 7/XX/2006 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451116 | Upsize | XXX | XXX | XXX | 11127485 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 7/XX/2005 | 7/XX/2006 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451116 | Upsize | XXX | XXX | XXX | 11127486 | compliance | 2 | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 7/XX/2005 | 7/XX/2008 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450014 | Upsize | XXX | XXX | XXX | 11130784 | credit | 3 | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | 3/XX/2003 |  | TX | Purchase | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452450014 | Upsize | XXX | XXX | XXX | 11130785 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 3/XX/2003 |  | TX | Purchase | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452450014 | Upsize | XXX | XXX | XXX | 11130786 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 3/XX/2003 |  | TX | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450014 | Upsize | XXX | XXX | XXX | 11130787 | credit | 3 | Missing Document: Credit Report not provided |  |  |  |  |  | 3/XX/2003 |  | TX | Purchase | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452449635 | Upsize | XXX | XXX | XXX | 11131448 | compliance | 2 | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  | 9/XX/2003 |  | MI | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449635 | Upsize | XXX | XXX | XXX | 11131449 | compliance | 2 | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2003 | 9/XX/2004 | MI | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449635 | Upsize | XXX | XXX | XXX | 11131450 | compliance | 2 | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2003 | 9/XX/2004 | MI | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449635 | Upsize | XXX | XXX | XXX | 11131451 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | It appears a lower Index was used at origination than the 1.22% Index available within the look-back period. | $6506.60 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2003 | 9/XX/2006 | MI | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451048 | Upsize | XXX | XXX | XXX | 11133809 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  | 4/XX/2005 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452451048 | Upsize | XXX | XXX | XXX | 11133810 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 4/XX/2005 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452449930 | Upsize | XXX | XXX | XXX | 11175428 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 9/XX/2003 |  | MN | Refinance - Cash-out - Other | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452449930 | Upsize | XXX | XXX | XXX | 11175429 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 9/XX/2003 |  | MN | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449930 | Upsize | XXX | XXX | XXX | 11175430 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003. |  |  |  |  | 9/XX/2003 |  | MN | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449930 | Upsize | XXX | XXX | XXX | 11175431 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 9/XX/2003 | 9/XX/2006 | MN | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449930 | Upsize | XXX | XXX | XXX | 11175432 | compliance | 2 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2003 | 9/XX/2006 | MN | Refinance - Cash-out - Other | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450801 | Upsize | XXX | XXX | XXX | 11187179 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 8/XX/2003 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B | 3/XX/2019 |  |  |  |  |  |  |  |  |
| 6452450801 | Upsize | XXX | XXX | XXX | 11187180 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003. |  |  |  |  | 8/XX/2003 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B | 3/XX/2019 |  |  |  |  |  |  |  |  |
| 6452450801 | Upsize | XXX | XXX | XXX | 11187181 | compliance | 2 | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided) | Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower. |  |  | Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  | 8/XX/2003 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B | 3/XX/2019 |  |  |  |  |  |  |  |  |
| 6452450801 | Upsize | XXX | XXX | XXX | 11187182 | compliance | 2 | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided | Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower. |  |  | Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  | 8/XX/2003 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B | 3/XX/2019 |  |  |  |  |  |  |  |  |
| 6452450801 | Upsize | XXX | XXX | XXX | 11187183 | compliance | 2 | Michigan Consumer Mortgage Protection Act (Counseling Agencies List) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower. |  |  |  |  | 8/XX/2003 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B | 3/XX/2019 |  |  |  |  |  |  |  |  |
| 6452450801 | Upsize | XXX | XXX | XXX | 11187184 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 8/XX/2003 | 8/XX/2006 | MI | Refinance - Cash-out - Other | Primary | No<br> B | 3/XX/2019 |  |  |  |  |  |  |  |  |
| 6452450801 | Upsize | XXX | XXX | XXX | 11187185 | credit | 3 | Missing Document: Credit Report not provided |  |  |  |  |  | 8/XX/2003 |  | MI | Refinance - Cash-out - Other | Primary | No<br> D | 3/XX/2019 |  |  |  |  |  |  |  |  |
| 6452449272 | Upsize | XXX | XXX | XXX | 15483057 | compliance | 2 | (Doc Error) TIL Error: Final TIL not signed by all required parties |  | TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | 11/XX/2006 | 11/XX/2007 | GA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449272 | Upsize | XXX | XXX | XXX | 15483058 | compliance | 2 | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing. |  |  |  | Yes | 11/XX/2006 |  | GA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449272 | Upsize | XXX | XXX | XXX | 15483059 | compliance | 3 | Missing Final HUD-1: No Document Used For Fee Testing | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  | Yes | 11/XX/2006 |  | GA | Purchase | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452449272 | Upsize | XXX | XXX | XXX | 15483061 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | Yes | 11/XX/2006 | 11/XX/2007 | GA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449272 | Upsize | XXX | XXX | XXX | 15483063 | compliance | 2 | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | 11/XX/2006 | 11/XX/2007 | GA | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450770 | Upsize | XXX | XXX | XXX | 16450228 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 10/XX/2007 |  | WI | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 2/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450624 | Upsize | XXX | XXX | XXX | 18270822 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 9/XX/2004 |  | NY | Purchase | Primary | No<br> C | 9/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450624 | Upsize | XXX | XXX | XXX | 18271304 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 9/XX/2004 |  | NY | Purchase | Primary | No<br> B | 9/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450109 | Upsize | XXX | XXX | XXX | 18271003 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 7/XX/2004 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B | 9/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450109 | Upsize | XXX | XXX | XXX | 18271004 | compliance | 2 | Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely) | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  | 7/XX/2004 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B | 9/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450109 | Upsize | XXX | XXX | XXX | 18271005 | compliance | 2 | Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | Assignee liability is unclear. Purchasers and assignees would not appear to be liable for violations of the Act, except to the extent involved I violations arising from servicing or collecting. |  | 7/XX/2004 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B | 9/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450109 | Upsize | XXX | XXX | XXX | 18271006 | compliance | 2 | Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing) | Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application. |  |  |  |  | 7/XX/2004 |  | MI | Refinance - Cash-out - Other | Primary | No<br> B | 9/XX/2020 |  |  |  |  |  |  |  |  |
| 6452450445 | Upsize | XXX | XXX | XXX | 18364284 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 9/XX/2001 |  | WA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450445 | Upsize | XXX | XXX | XXX | 18364285 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 9/XX/2001 |  | WA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450445 | Upsize | XXX | XXX | XXX | 18364286 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 9/XX/2001 | 9/XX/2004 | WA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450445 | Upsize | XXX | XXX | XXX | 18364287 | compliance | 2 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2001 | 9/XX/2004 | WA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450445 | Upsize | XXX | XXX | XXX | 18364288 | credit | 3 | Missing Document: Credit Report not provided |  |  |  |  |  | 9/XX/2001 |  | WA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450180 | Upsize | XXX | XXX | XXX | 18366516 | compliance | 2 | (Doc Error) TIL Error: Borrower signature not dated. |  |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2002 | 5/XX/2005 | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450180 | Upsize | XXX | XXX | XXX | 18366517 | credit | 3 | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date:  |  |  |  |  | 5/XX/2002 |  | TX | Refinance - Rate/Term | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450180 | Upsize | XXX | XXX | XXX | 18366518 | compliance | 2 | Right of Rescission Timing - Receipt Date Missing | Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 5/XX/2002 | 5/XX/2005 | TX | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450580 | Upsize | XXX | XXX | XXX | 18368927 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | The under disclosure is payment stream related due to lender's TIL reflecting MI being in force for 126 months, however based on loan amount and appraised value the MI would be in force for 138 months. | $134.76 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2003 | 1/XX/2004 | FL | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450314 | Upsize | XXX | XXX | XXX | 18374488 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 7/XX/2004 |  | NY | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450314 | Upsize | XXX | XXX | XXX | 18374489 | compliance | 2 | TILA - Final TIL Missing | Missing Final TIL. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2004 | 7/XX/2005 | NY | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450595 | Upsize | XXX | XXX | XXX | 18377151 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 11/XX/2005 |  | FL | Purchase | Second Home | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450595 | Upsize | XXX | XXX | XXX | 18377152 | compliance | 2 | Final TIL Not Provided to Borrower At or Before Consummation | Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2005 | 11/XX/2006 | FL | Purchase | Second Home | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449221 | Upsize | XXX | XXX | XXX | 18377828 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 3/XX/2006 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449221 | Upsize | XXX | XXX | XXX | 18377829 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2006 |  | FL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX | 18382097 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 5/XX/2007 |  | AZ | Purchase | Primary | No<br> C |  |  |  |  |  |  |  |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX | 18382098 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 5/XX/2007 |  | AZ | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX | 18382099 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 5/XX/2007 |  | AZ | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX | 18382100 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2007 | 6/XX/2008 | AZ | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX | 18382101 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2007 | 6/XX/2008 | AZ | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX | 18382102 | credit | 3 | Missing Document: Credit Report not provided |  |  |  |  |  | 5/XX/2007 |  | AZ | Purchase | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX | 18383754 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 9/XX/2007 |  | NY | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX | 18383755 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | 9/XX/2007 |  | NY | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX | 18383756 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 9/XX/2007 |  | NY | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX | 18383757 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 9/XX/2007 |  | NY | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX | 18383758 | compliance | 2 | ARM Disclosure Prior to Closing Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2007 | 9/XX/2008 | NY | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX | 18383759 | compliance | 2 | CHARM Booklet Disclosure Prior to Closing Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2007 | 9/XX/2008 | NY | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450882 | Upsize | XXX | XXX | XXX | 18384413 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 12/XX/2007 |  | TX | Purchase | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449552 | Upsize | XXX | XXX | XXX | 18385497 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2008 |  | IL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449552 | Upsize | XXX | XXX | XXX | 18385498 | credit | 3 | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date: 04/XX/2008 |  |  |  |  | 5/XX/2008 |  | IL | Refinance - Cash-out - Debt Consolidation | Primary | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450142 | Upsize | XXX | XXX | XXX | 18385979 | compliance | 2 | Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided) | Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  | The Act does not appear to provide for assignee liability. |  | 1/XX/2009 |  | WA | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449862 | Upsize | XXX | XXX | XXX | 18387748 | compliance | 2 | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  |  |  |  |  | 11/XX/2011 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449862 | Upsize | XXX | XXX | XXX | 18387749 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | 11/XX/2011 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449862 | Upsize | XXX | XXX | XXX | 18387750 | compliance | 2 | SAFE Act - NMLS Info Not in File | Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  | Liability appears to be limited to originators/licensees. |  | 11/XX/2011 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449862 | Upsize | XXX | XXX | XXX | 18387751 | compliance | 2 | RESPA (2010) - Loan Amount on Final GFE Inaccurate | RESPA (2010): Loan Amount on Final GFE does not match Note. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2011 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449862 | Upsize | XXX | XXX | XXX | 18387752 | compliance | 2 | RESPA (2010) - Initial Payment on GFE Inaccurate | RESPA (2010): Initial payment on GFE does not match actual payment on loan. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2011 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449862 | Upsize | XXX | XXX | XXX | 18387753 | compliance | 2 | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2011 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452449862 | Upsize | XXX | XXX | XXX | 18387754 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Missing | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2011 |  | FL | Refinance - Rate/Term | Primary | No<br> B |  |  |  |  |  |  |  |  |  |
| 6452450171 | Upsize | XXX | XXX | XXX | 18389018 | credit | 3 | Missing Document: Appraisal not provided | Valuation Type: Stated / Valuation Report Date:  |  |  |  |  | 6/XX/2012 |  | FL | Refinance - Rate/Term | Investment | No<br> D |  |  |  |  |  |  |  |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX | 18391066 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage to the subject. The inspection must include exterior photos of the subject. |  |  |  | 6/XX/2015 |  | TX | Purchase | Primary | No<br> C |  |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX | 18391067 | property | 1 | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | 6/XX/2015 |  | TX | Purchase | Primary | No<br> C |  |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2020/XX/24: Regraded to EV1 |
| 6452450364 | Upsize | XXX | XXX | XXX | 18391068 | compliance | 2 | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | No evidence Borrower received disclosure |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 6/XX/2015 |  | TX | Purchase | Primary | No<br> B |  |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX | 18391069 | compliance | 2 | 2011 TIL-MDIA ARM Introductory Rate Disclosure - Discounted Interest Rate Fully Indexed Rate Inaccurate | Truth in Lending Act (MDIA 2011): The fully-indexed rate on the Final TIL does not match the fully-indexed rate for the loan. | The fully-indexed rate on the Final TIL does not match the fully-indexed rate for the loan. Fully indexed rate disclosed on final TIL states 3.019 and system states 3.00. Difference is due to rounding. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2015 | 6/XX/2016 | TX | Purchase | Primary | No<br> B |  |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX | 18391070 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | No evidence Borrower received disclosure |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 6/XX/2015 | 6/XX/2016 | TX | Purchase | Primary | No<br> B |  |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX | 18391071 | credit | 2 | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: 25.94132%<br> QM qualifying DTI: 28.85902% | Tax certificate (D0190) which shows taxes at an annual amount of $XXX. |  |  |  | 6/XX/2015 |  | TX | Purchase | Primary | No<br> B |  |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449521 | Upsize | XXX | XXX | XXX | 18776680 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Disaster Date: XX/XX/XXXX<br> Inspection Date: |  |  |  |  | 11/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> C | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449521 | Upsize | XXX | XXX | XXX | 18776681 | compliance | 2 | (Doc Error) Initial GFE not provided |  |  |  |  |  | 11/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449521 | Upsize | XXX | XXX | XXX | 18776682 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 5/XX/2006. |  |  |  |  | 11/XX/2006 |  | FL | Refinance - Cash-out - Other | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449521 | Upsize | XXX | XXX | XXX | 18776683 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 11/XX/2006 | 11/XX/2007 | FL | Refinance - Cash-out - Other | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450022 | Upsize | XXX | XXX | XXX | 18778529 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX |  |  |  |  | 8/XX/2006 |  | RI | Refinance - Cash-out - Other | Primary | No<br> C | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450022 | Upsize | XXX | XXX | XXX | 18778530 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2006 | 8/XX/2007 | RI | Refinance - Cash-out - Other | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452450022 | Upsize | XXX | XXX | XXX | 18778531 | compliance | 2 | ARM Disclosure Timing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2006 | 8/XX/2007 | RI | Refinance - Cash-out - Other | Primary | No<br> B | 10/XX/2017 |  |  |  |  |  |  |  |  |
| 6452449081 | Upsize | XXX | XXX | XXX | 29371231 | credit | 3 | Initial Rate Lock rate date is not documented in file. |  |  |  |  |  | 4/XX/2012 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449081 | Upsize | XXX | XXX | XXX | 29371232 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | 4/XX/2012 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449081 | Upsize | XXX | XXX | XXX | 29371233 | compliance | 2 | RESPA (2010) – Written Service Provider List Not Provided Timely | RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 4/XX/2012 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450753 | Upsize | XXX | XXX | XXX | 29371369 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 11/XX/2013 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450753 | Upsize | XXX | XXX | XXX | 29371370 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 11/XX/2013 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449707 | Upsize | XXX | XXX | XXX | 29371429 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  | No | 8/XX/2012 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449707 | Upsize | XXX | XXX | XXX | 29371430 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. | No | 8/XX/2012 |  | CA | Purchase | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449707 | Upsize | XXX | XXX | XXX | 29371431 | compliance | 3 | Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material | Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing. |  |  |  | No | 8/XX/2012 |  | CA | Purchase | Investment | No<br> D | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449707 | Upsize | XXX | XXX | XXX | 29371432 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  | No | 8/XX/2012 |  | CA | Purchase | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371650 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371651 | compliance | 2 | Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor | Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower. |  |  | Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages.<br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371652 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371653 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371654 | compliance | 2 | Federal LO Compensation Dual Compensation Pre-Dodd Frank Test | Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer. |  |  | Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, and where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or non-judicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. |  | 6/XX/2013 | 6/XX/2016 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371655 | compliance | 2 | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371656 | compliance | 2 | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371657 | compliance | 2 | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371658 | compliance | 2 | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371659 | compliance | 2 | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  | Liability appears to be limited to originators/licensees. |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371660 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371661 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371662 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 6/XX/2013 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371663 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2013 | 6/XX/2014 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371664 | compliance | 2 | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2013 | 6/XX/2016 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX | 29371665 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2013 | 6/XX/2016 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450159 | Upsize | XXX | XXX | XXX | 29371931 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | TIL itemization did not disclose the sign in fees of $XXX and $XXX subordination recording fee of $XXX and title courier fee of $XXX as prepaid finance charges. HUD disclosed prepaid interest fee as $XXX and itemization disclosed as $XXX. | $142.86 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2005 | 4/XX/2008 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450219 | Upsize | XXX | XXX | XXX | 29371954 | compliance | 2 | Disbursement Date Missing | Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1999 used as disbursement date for compliance testing. |  |  |  | No | 5/XX/1999 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452450219 | Upsize | XXX | XXX | XXX | 29371955 | compliance | 3 | Missing Final HUD-1: No Document Used For Fee Testing Material | Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable. | Received only page 1 and a HUD addendum, need page 2 of HUD to complete testing. |  |  | No | 5/XX/1999 |  | CA | Purchase | Primary | No<br> D | 7/XX/2023 |  |  |  |  |  |  | 2023/XX/18: Full breakdown of final HUD can be found in the Title Insurance Document pages 45-48 | 2023/XX/18: Unclear what specific document the seller is referring to, however SAMC does not accept escrow instructions or other similar documentation in lieu of a complete, fully executed HUD-1. Exception remains. |
| 6452450219 | Upsize | XXX | XXX | XXX | 29371956 | compliance | 2 | Missing Initial Loan Application No Fees | No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. |  |  |  | No | 5/XX/1999 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449781 | Upsize | XXX | XXX | XXX | 29371997 | compliance | 2 | Missing Initial Loan Application Compliance Determined Application Date | No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2013. The source for this date is Initial disclosures. |  |  |  |  | 2/XX/2014 |  | CA | Refinance - Cash-out - Other | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372002 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372003 | compliance | 2 | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372004 | compliance | 2 | SAFE Act - LO Company not licensed at time of application | Unable to test LO company NMLS license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372005 | compliance | 2 | SAFE Act - Individual LO NMLS license status not approved | Unable to test Individual Loan Originator license status due to missing information. |  |  |  |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372006 | compliance | 2 | SAFE Act - Individual LO not licensed at time of application | Unable to test Loan Originator license due to missing information. |  |  | Liability appears to be limited to originators/licensees. |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372007 | compliance | 2 | SAFE Act - LO Company NMLS license status not approved | Unable to test LO company status due to missing information. |  |  |  |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372008 | compliance | 2 | Safe Act NMLS - Missing Evidence of Initial Loan Application Date | Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. |  |  | Liability appears to be limited to originators/licensees. |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372009 | compliance | 2 | RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days | RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372010 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372011 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372012 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2013 | 7/XX/2014 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372013 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan) | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2013 | 7/XX/2016 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372014 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Rate Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest rate on the Final TIL does not match the maximum interest rate that may apply during the first five (5) years of the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2013 | 7/XX/2016 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372015 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2013 | 7/XX/2016 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372016 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2013 | 7/XX/2016 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372017 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match the first adjustment date for the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2013 | 7/XX/2016 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372018 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Payment Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest payment on the Final TIL does not match the maximum interest payment that may apply during the first five (5) years of the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2013 | 7/XX/2016 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372019 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Principal Payment Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" principal payment on the Final TIL does not match the maximum principal payment that may apply during the first five (5) years of the loan. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2013 | 7/XX/2016 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372020 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 7/XX/2013 | 7/XX/2014 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372021 | compliance | 2 | CHARM Booklet Disclosure Timing | Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 7/XX/2013 | 7/XX/2014 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX | 29372022 | credit | 3 | Missing Document: Missing Final 1003 |  |  |  |  |  | 7/XX/2013 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  |  |  |  |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372449 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Property inspection report was not included in the file. |  |  |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: BPO provided reflecting no damage. |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372450 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/13: Document provided cannot be used to clear this condition. Please provide the list of at least 10 counseling agencies, along with date list was obtained. |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372451 | compliance | 1 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2019 | 4/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received; however, see updated condition as it was not provided within 3 business days of application. |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372452 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Failure is due to missing asset and income documentation which is waterfalling to ATR/QM testing. Lender approved loan as a portfolio express product. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: VOE received. Loan approved under Portfolio Express which allowed stated assets. Condition cleared. |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372453 | compliance | 1 | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) | Failure is due to missing asset and income documentation which is waterfalling to ATR/QM testing. Lender approved loan as a portfolio express product. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: VOE received. Loan approved under Portfolio Express which allowed stated assets. Condition cleared. |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372455 | compliance | 1 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/03/XX/2019) | Verification appraisal was delivered to borrower was not provided. |  | There is generally no Assignee Liability. |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Appraisal delivery received. |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372456 | credit | 1 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX |  |  |  |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372457 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372458 | credit | 1 | Missing Document: Missing Final 1003 |  | File is missing fully signed/dated final application. |  |  |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372460 | credit | 1 | Missing Document: Rider - PUD not provided |  | Executed PUD Rider not provided. |  |  |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372461 | credit | 1 | Missing Document: Security Instrument - Subject Lien not provided |  | Executed Security Instrument not provided. |  |  |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372462 | credit | 1 | Missing Document: Rider - ARM not provided |  | Executed ARM Rider not provided. |  |  |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372463 | compliance | 1 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM Disclosure is missing from the file. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2019 | 4/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received; however, see updated condition as it was not provided within 3 business days of application. |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372464 | compliance | 1 | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (XXX/Savings) | Failure is due to missing asset and income documentation which is waterfalling to ATR/QM testing. Lender approved loan as a portfolio express product. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: VOE received. Loan approved under Portfolio Express which allowed stated assets. Condition cleared. |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372465 | compliance | 1 | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (XXX/401(k)/403(b) Account) | Failure is due to missing asset and income documentation which is waterfalling to ATR/QM testing. Lender approved loan as a portfolio express product. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 4/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: VOE received. Loan approved under Portfolio Express which allowed stated assets. Condition cleared. |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372466 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM disclosure provided 3/XX/2019, which was not within 3 days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2019 | 4/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449114 | Upsize | XXX | XXX | XXX | 29372467 | compliance | 2 | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | CHARM disclosure provided 3/XX/2019, which was not within 3 days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 4/XX/2019 | 4/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450367 | Upsize | XXX | XXX | XXX | 29372629 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2014) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 11/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450367 | Upsize | XXX | XXX | XXX | 29372630 | compliance | 2 | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Creditor did not provide HUD Settlement Cost Booklet. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450367 | Upsize | XXX | XXX | XXX | 29372631 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450367 | Upsize | XXX | XXX | XXX | 29372632 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450367 | Upsize | XXX | XXX | XXX | 29372633 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 11/XX/2014 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452450367 | Upsize | XXX | XXX | XXX | 29372634 | compliance | 2 | (Doc Error) GFE Error: Changed Circumstance not provided. | GFE Date: 11/XX/2014 Changed Circumstance not provided for GFE dated 11/XX/2014 from GFE dated 10/XX/2014 | Changed Circumstance not provided in file. |  |  |  | 11/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450367 | Upsize | XXX | XXX | XXX | 29372635 | credit | 1 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2005 | Verification of employment is not within 10 business days of the Note. |  |  |  | 11/XX/2014 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/02: VVOEprovided showing confirmation of continued employment on 11/XX/2014. |
| 6452450367 | Upsize | XXX | XXX | XXX | 29372636 | credit | 3 | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXX // Account Type: Savings / Account Number: XXX | Two months bank statements were not provided as required per the guidelines. |  |  |  | 11/XX/2014 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450304 | Upsize | XXX | XXX | XXX | 29372687 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 2/XX/2021 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/01: BPO provided reflects no damage. |
| 6452450304 | Upsize | XXX | XXX | XXX | 29372688 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement not provided. |  |  |  | 2/XX/2021 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450304 | Upsize | XXX | XXX | XXX | 29372689 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/01/XX/2021) | Verification of appraisal was delivered to borrower was not provided |  | There is generally no Assignee Liability. |  | 2/XX/2021 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450304 | Upsize | XXX | XXX | XXX | 29372691 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Credit Repot Fee was last disclosed $XXX on LE but disclosed as$XXX on Final CD. File does not contain COC for this file Cure provided at closing |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450304 | Upsize | XXX | XXX | XXX | 29372692 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7531) | Flood Certification Fee was not disclosed on Loan Estimate but was disclosed as $XXX on the final CD. File does not a valid COC for this fee cure provided at closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450304 | Upsize | XXX | XXX | XXX | 29372693 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 2/XX/2021 | 2/XX/2022 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450304 | Upsize | XXX | XXX | XXX | 29372694 | compliance | 2 | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 2/XX/2021 | 2/XX/2022 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  | 2023/XX/30: Missing CHARM Booklet provided within 3 days of application. |
| 6452450304 | Upsize | XXX | XXX | XXX | 29372695 | credit | 2 | Loans with an application date after 10/XX/2020 using a LIBOR Index are not Agency Salable. | Index: LIBOR - 1 Year (Daily); Note Date: 02/XX/2021 |  |  |  |  | 2/XX/2021 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372696 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Post Disaster Inspection (PDI) document is missing. |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372697 | credit | 3 | REO Documents are missing. |  | Insurance Verification, Statement, Tax Verification document missing for property address XXX, CA |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372698 | credit | 3 | REO Documents are missing. |  | Insurance Verification, Lease Agreement, Statement, Tax Verification document missing for property address XXX, AZ |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372699 | credit | 3 | REO Documents are missing. |  | Insurance Verification, Lease Agreement, Statement, Tax Verification document missing for property Address: XXX, NV |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372700 | credit | 3 | REO Documents are missing. |  | Insurance Verification, Lease Agreement, Statement, Tax Verification document missing for property Address: XXX, AZ: |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372701 | credit | 3 | REO Documents are missing. |  | Insurance Verification, Lease Agreement, Statement, Tax Verification document missing for property Address: XXX, AZ |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372702 | credit | 3 | Income Docs Missing: | Borrower: XXX 1065 (2014), 1065 (2015), 1099-SSA (2014), 1099-SSA (2015), K-1 (2014), K-1 (2015), VVOE - Employment Only, W-2 (2015), W-2 (2016) | All income documentation is missing for all borrowers. 2015/2014 signed/dated personal and business tax returns and K1's, year to date P&L's/Balance sheets, third party verification dated within 30 days prior to note date, all income documentation for any additional income being used and award letters. Unable to determine all borrowers' income and business structure due to missing documentation. |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  | 2023/XX/08: File is missing all personal & business income documentation. Condition remains. |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372703 | credit | 3 | Income Docs Missing: | Borrower: XXX 1065 (2014), 1065 (2015), K-1 (2014), K-1 (2015), VVOE - Employment Only | All income documentation is missing for all borrowers. 2015/2014 signed/dated personal and business tax returns and K1's, year to date P&L's/Balance sheets, third party verification dated within 30 days prior to note date, all income documentation for any additional income being used and award letters. Unable to determine all borrowers' income and business structure due to missing documentation. |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  | 2023/XX/08: File is missing all personal & business income documentation. Condition remains. |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372704 | credit | 3 | Income Docs Missing: | Borrower: XXX 1065 (2014), 1065 (2015), K-1 (2014), K-1 (2015), VVOE - Employment Only, W-2 (2014), W-2 (2015) | All income documentation is missing for all borrowers. 2015/2014 signed/dated personal and business tax returns and K1's, year to date P&L's/Balance sheets, third party verification dated within 30 days prior to note date, all income documentation for any additional income being used and award letters. Unable to determine all borrowers' income and business structure due to missing documentation. |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  | 2023/XX/08: File is missing all personal & business income documentation. Condition remains. |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372705 | credit | 3 | Income documentation requirements not met. |  | All income documentation is missing for all borrowers. 2015/2014 signed/dated personal and business tax returns and K1's, year to date P&L's/Balance sheets, third party verification dated within 30 days prior to note date, all income documentation for any additional income being used and award letters. Unable to determine all borrowers' income and business structure due to missing documentation. |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  | 2023/XX/08: File is missing all personal & business income documentation. Condition remains. |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372706 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Lease Agreement, Tax Verification |  |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  | 2023/XX/08: EXCEPTION HISTORY - Exception Explanation was updated on 09/XX/2023 PRIOR Exception Explanation: Insurance Verification, Lease Agreement, Statement, Tax Verification |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372707 | credit | 3 | REO Documents are missing. | Address: XXX, NV Insurance Verification, Lease Agreement, Statement, Tax Verification |  |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372708 | credit | 3 | REO Documents are missing. | Address: XXX, AZ Insurance Verification, Lease Agreement, Statement, Tax Verification |  |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372709 | credit | 3 | REO Documents are missing. | Address: XXX, AZ Insurance Verification, Lease Agreement, Statement, Tax Verification |  |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372710 | credit | 3 | REO Documents are missing. | Address: XXX, AZ Insurance Verification, Lease Agreement, Statement, Tax Verification |  |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372711 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Statement, Tax Verification |  |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372712 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Statement, Tax Verification |  |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372713 | credit | 3 | REO Documents are missing. | Address: XXX, NV Insurance Verification, Lease Agreement, Statement, Tax Verification |  |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372714 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification |  |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372715 | credit | 3 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Statement, Tax Verification |  |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372716 | credit | 3 | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 48.00. | Borrower has insufficient assets to cover funds to close and extended reserves required. |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372717 | credit | 3 | Asset documentation requirements not met. |  | File is missing sufficient asset documentation to cover funds to close and required extensive reserves due to properties owned. |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372718 | credit | 3 | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Stocks / Account Number: XXX | Both accounts exceeds the 90 age of document reflected in the lender guidelines. |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372719 | credit | 3 | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | Borrower's are missing sufficient asset documentation to cover funds to close. |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX | 29372720 | credit | 3 | AUS/Guideline Findings: All conditions were not met |  | File is missing sufficient assets, all income documents for all borrowers, REO supporting documentation. |  |  |  | 7/XX/2016 |  | CA | Purchase | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450826 | Upsize | XXX | XXX | XXX | 29372735 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Subject property was appraised on 05/XX/2020 prior to the FEMA disaster (XXX) dated XX/XX/XXXX through XX/XX/XXXX. File is missing a property inspection dated after the disaster, or the lender's Rep and Warranty attestation along with visible confirmation that the subject property was not damaged |  |  |  | 6/XX/2020 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/31: BPO provided reflecting no damage. |
| 6452450826 | Upsize | XXX | XXX | XXX | 29372736 | property | 1 | Loan is to be securitized. The only valuation provided was a Drive by. It is interpreted that this Drive By was used in lieu of URAR and that this file is missing the secondary valuation (GSE COVID19) |  |  |  |  |  | 6/XX/2020 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/31: Client not securitizing loan. |
| 6452450826 | Upsize | XXX | XXX | XXX | 29372737 | compliance | 2 | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/05/XX/2020) | Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements |  |  |  | 6/XX/2020 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450826 | Upsize | XXX | XXX | XXX | 29372738 | compliance | 2 | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 06/XX/2020 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/06/XX/2020) | Final Closing Disclosure provided on 06/XX/2020, page (5) missing Lender contact name. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2020 | 6/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450826 | Upsize | XXX | XXX | XXX | 29372739 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2020 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (Final/06/XX/2020) | Loan Terms: Final Closing Disclosure provided on 06/XX/2020 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2020 | 6/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450826 | Upsize | XXX | XXX | XXX | 29372740 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/06/XX/2020) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2020 | 6/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450826 | Upsize | XXX | XXX | XXX | 29372742 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, was not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 6/XX/2020 | 6/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372778 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: BPO provided reflects no damage. |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372779 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 05/XX/2016). (Final/05/XX/2016) | Finance charge is under disclosed by $XXX. Unable to determine the cause for the under disclosure due to missing the itemization of the amount financed. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2016 | 6/XX/2019 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372780 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372782 | compliance | 2 | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - Pre October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on 05/XX/2016 are underdisclosed. (Final/05/XX/2016) | HOA costs of $XXX per month were not included in the non-escrowed property costs on page 4 of the CD |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2016 | 6/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372783 | credit | 1 | The verification of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 10/XX/2013 |  |  |  |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: VVOE missing, however the file contains sufficient 3rd party verification/documentation supporting use of income. A written verification of employment was obtained, dated 5/XX/2016, 14 days within date of note. Receipt of income with paystub dated 5/XX/16; pay period ending 5/XX/16 is also included in loan file. DU allow a third- party verification of employment to be acceptable but not dated more than 35 days old as of the note date.<br> Loan file contains written verification of employment dated 5/XX/2016 and the most recent paystub dated 5/XX/2016, sufficient per the latest DU approve/eligible submitted 5/XX/2016.<br>2023/XX/25: Agree with error, but don't agree with ATR impact based on overall file risk & quality. | 2023/XX/21: AUS states to "Perform and document a verbal verification of employmentt for each borrower within 10 business days prior to the note date for all borrowers not using self-employment income for qualifying" Borrower is not self-employed, Guidelines state same requirement for Hourly, Salary and Commission income. Exception remains.<br>2023/XX/14: Cleared. Switched to Non qm guides |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372784 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 05/XX/2016 | File is missing documentation verifying the subject property condo is warrantable. |  |  |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372785 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | Missing signed and dated initial 1003. |  |  |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/25: Missing signed and dated initial application. |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372786 | credit | 3 | Income documentation requirements not met. |  | The VVOE is not dated within 10 business days of the note date. |  |  |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/21: AUS states to "Perform and document a verbal verification of employmentt for each borrower within 10 business days prior to the note date for all borrowers not using self-employment income for qualifying" Borrower is not self-employed, Guidelines state same requirement for Hourly, Salary and Commission income. Exception remains.<br>2023/XX/27: Unable to clear. Per lender guides, a VVOE dated within 10 days prior to the note date is required. |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372787 | compliance | 1 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/12401140) | Failure due to missing VVOE dated within 10 business days prior to note for borrower's current employment as required per AUS. |  |  |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/14: Loan has been re designated to Non QM |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372788 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Failure due to missing VVOE dated within 10 business days prior to note for borrower's current employment as required per AUS. |  |  |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/21: AUS states to "Perform and document a verbal verification of employmentt for each borrower within 10 business days prior to the note date for all borrowers not using self-employment income for qualifying" Borrower is not self-employed, Guidelines state same requirement for Hourly, Salary and Commission income. Exception remains.<br>2023/XX/14: Loan has been re designated to Non QM |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372789 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. | Failure due to missing VVOE dated within 10 business days prior to note for borrower's current employment as required per AUS. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/21: AUS states to "Perform and document a verbal verification of employmentt for each borrower within 10 business days prior to the note date for all borrowers not using self-employment income for qualifying" Borrower is not self-employed, Guidelines state same requirement for Hourly, Salary and Commission income. Exception remains.<br>2023/XX/14: Loan has been re designated to Non QM |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372790 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Failure due to missing VVOE dated within 10 business days prior to note for borrower's current employment as required per AUS. |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/14: Loan has been re designated to Non QM |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372791 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Failure due to missing income documents. |  |  |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/21: AUS states to "Perform and document a verbal verification of employmentt for each borrower within 10 business days prior to the note date for all borrowers not using self-employment income for qualifying" Borrower is not self-employed, Guidelines state same requirement for Hourly, Salary and Commission income. Exception remains.<br>2023/XX/14: Loan has been re designated to Non QM |
| 6452450511 | Upsize | XXX | XXX | XXX | 29372792 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated to Non QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> B<br> A | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449489 | Upsize | XXX | XXX | XXX | 29372800 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Post Disaster Inspection Report is missing from file. |  |  |  | 3/XX/2015 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2023/XX/01: BPO provided reflects no damage. |
| 6452449489 | Upsize | XXX | XXX | XXX | 29372801 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Borrower was not provided with Right to Receive Appraisal Disclosure. |  | There is generally no Assignee Liability. |  | 3/XX/2015 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449489 | Upsize | XXX | XXX | XXX | 29372802 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | The Affiliated Business Arrangement Disclosure in file is dated 03/XX/2015 which is more than 3 business days after the application date of 02/XX/2015. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2015 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449489 | Upsize | XXX | XXX | XXX | 29372803 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | The RESPA Servicing Disclosure in file is dated 03/XX/2015 which is more than 3 business days after the application date of 02/XX/2015. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2015 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449489 | Upsize | XXX | XXX | XXX | 29372804 | compliance | 2 | Final TIL Finance Charge Under Disclosed | Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX. Variance is $XXX. Lender to provide corrected TIL and copy of letter sent to borrower explaining changes. | $1731.55 | TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2015 | 3/XX/2018 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449489 | Upsize | XXX | XXX | XXX | 29372806 | compliance | 2 | (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing |  | The only Good Faith Estimate in file reflects the interest rate as not locked. |  |  |  | 3/XX/2015 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449934 | Upsize | XXX | XXX | XXX | 29372900 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 4/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2023/XX/01: BPO provided reflects no damage. |
| 6452449934 | Upsize | XXX | XXX | XXX | 29372901 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Loan Discount Points Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. A copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2016 | 4/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449934 | Upsize | XXX | XXX | XXX | 29372902 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2016) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 4/XX/2016 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449934 | Upsize | XXX | XXX | XXX | 29372903 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | 10% tolerance was exceeded by $XXX due to increase of title fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | 4/XX/2016 | 4/XX/2017 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450485 | Upsize | XXX | XXX | XXX | 29373004 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 8/XX/2017 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: BPO dated 5/XX/23 showing no damage to property has been received. |
| 6452450485 | Upsize | XXX | XXX | XXX | 29373005 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/08/XX/2017) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 8/XX/2017 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450485 | Upsize | XXX | XXX | XXX | 29373006 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2017) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 8/XX/2017 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450485 | Upsize | XXX | XXX | XXX | 29373007 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2017 | 9/XX/2018 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450485 | Upsize | XXX | XXX | XXX | 29373008 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Disclosure reflecting the list of 10 counselors is missing. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2017 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450485 | Upsize | XXX | XXX | XXX | 29373010 | compliance | 2 | ARM Disclosure Compliant Test | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | Disclosure is missing the date provided. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2017 | 9/XX/2018 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450485 | Upsize | XXX | XXX | XXX | 29373011 | credit | 2 | Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. |  | The note used for closing is not on a FNMA/FHLMC form. |  |  |  | 8/XX/2017 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450107 | Upsize | XXX | XXX | XXX | 29373184 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/10/XX/2017) | Closing Disclosure Issue Date 2017/XX/26 which is not provided at least three (3) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2017 | 10/XX/2018 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450107 | Upsize | XXX | XXX | XXX | 29373185 | credit | 3 | Income Docs Missing: | Borrower: XXX 1040 - Schedule C (2016) | File is missing 2016 Schedule C for Co-Borrower. |  |  |  | 10/XX/2017 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450107 | Upsize | XXX | XXX | XXX | 29373186 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area post-close. A post-disaster inspection verifying there was no damage to the subject property is required once a declared end date is identified. |  |  |  | 10/XX/2017 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/31: BPO dated 5/XX/23 showing no damage to property has been received. |
| 6452450107 | Upsize | XXX | XXX | XXX | 29373187 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | Application date is 09/XX/2017 and docuemnt was provided on 09/XX/2017. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2017 | 10/XX/2018 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450107 | Upsize | XXX | XXX | XXX | 29373188 | compliance | 2 | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | Application date is 09/XX/2017 and docuemnt was provided on 09/XX/2017. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2017 | 10/XX/2018 | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450107 | Upsize | XXX | XXX | XXX | 29373189 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 09/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule C) | File is missing income verification for B2 - 1065 XXX Third Party verification and Schedule C for year 2016. |  |  |  | 10/XX/2017 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450107 | Upsize | XXX | XXX | XXX | 29373190 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Loan file contains the one page acknowledgment from Borrowers; however, the actual list containing the required 10 counseling agencies was not provided. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2017 |  | CA | Refinance - Cash-out - Debt Consolidation | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373317 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/31: BPO dated 5/XX/23 showing no damage to property has been received. |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373319 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373320 | compliance | 1 | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) | The personal tax returns are not signed and dated by the borrower, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: 2015/2016 Personal tax returns are not signed, however the tax transcripts for 2015/2016 are in file therefore tax returns do not need to be signed.<br>2023/XX/25: Disagree with interpretation of ATR requirements. XXX guidelines allow use of validated IRS tax returns in lieu of signed tax returns/financials. See RLU-NA section 302-2.1.4. | 2023/XX/28: Trailing documents reviewed unable to clear.<br>2023/XX/21: Self-employment income not sufficient due to missing most recent fully executed and complete Personal Tax Returns (2016 and 2015). Verified 2014, 2015 and 2106 Tax Transcripts are provided. Fully executed P&L provided January - November 2017. Portfolio Programs reflect when tax returns are in file the Borrower must sign the tax returns at or before closing unless the tax transcripts have been obtained directly from the IRS. The Exception Remains due to the Non QM DTI of 43.56% moderately exceeding the guideline maximum of 43% resulting in the signed tax return requirement.<br>2023/XX/27: Loan submitted with a Loan Designation of Safe Harbor QM. Based on Safe Harbor requirements, signed and dated tax returns are required. Condition remains.<br>2023/XX/03: Client elects to restate loan to NonQM. |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373321 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | Signed and dated business tax returns for the most recent year (2017) is not provided., causing the loan to waterfall through the QM Testing. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: Loan closed 1/XX/2018 therefore 2017 personal/business tax returns would not be provided. 2015/2016 Personal and business tax returns are in file but are not signed, however the tax transcripts for 2015/2016 are in file therefore tax returns do not need to be signed.<br>2023/XX/25: Disagree with interpretation of ATR requirements. XXX guidelines allow use of validated IRS tax returns in lieu of signed tax returns/financials. See RLU-NA section 302-2.1.4. | 2023/XX/13: Update: File is missing signed/dated personal tax returns.<br>2023/XX/28: Trailing documents reviewed unable to clear<br>2023/XX/21: Self-employment income not sufficient due to missing most recent fully executed and complete Personal Tax Returns (2016 and 2015). Verified 2014, 2015 and 2106 Tax Transcripts are provided. Fully executed P&L provided January - November 2017. Portfolio Programs reflect when tax returns are in file the Borrower must sign the tax returns at or before closing unless the tax transcripts have been obtained directly from the IRS. The Exception Remains due to the Non QM DTI of 43.56% moderately exceeding the guideline maximum of 43% resulting in the signed tax return requirement.<br>2023/XX/27: Loan submitted with a Loan Designation of Safe Harbor QM. Based on Safe Harbor requirements, signed and dated tax returns are required. Condition remains.<br>2023/XX/03: Client elects to restate loan to NonQM. |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373322 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Disclosure: Initial Escrow Account Statement is not provided in file. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373323 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations was not provided to borrower within three (3) business days of application. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373325 | compliance | 1 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 1/XX/2018 | 1/XX/2019 | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 7/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/30: Missing CHARM Booklet provided within 3 days of application.<br>2023/XX/28: Application Disclosure Package Receipt Confirmation. |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373326 | compliance | 1 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The guidelines require 10/1 ARMS to be quaiflied using the Note rate, causing the loan to waterfall through the QM Testing.. |  |  |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/13: Per lender guides, a 10/1 ARM qualification method is the note rate which is non compliant under 1026.43(c)(5).<br>2023/XX/01: Reviewed the Trailing documentation and the provided documents are not sufficient to clear. Exception remains.<br>2023/XX/03: Updated qualification method. |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373327 | compliance | 1 | General Ability To Repay Provision Non QM DTI moderately exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 43.56% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The guidelines require 10/1 ARMS to be quaiflied using the Note rate, which results in a DTI of 43.75% that exceeds the QM maximum DTI of 43%, causing the loan to waterfall through the QM Testing. |  |  |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: The final DTI per the final 1008 is 42.303/42.520% which consists of $XXX PITIA and $XXX all other payments against the calculated income of $XXX. Which includes the Note rate of 3.875%.<br>2023/XX/25: Disagree; system automatically calculates the greater of fully indexed rate at fully am payment or the note rate at fully am payment. System generated final 1003/08 states DTI is within max allowed parameters. | 2023/XX/28: Trailing documents reviewed unable to clear.<br>2023/XX/01: EXCEPTION HISTORY - Exception Detail was updated on 08/XX/2023 PRIOR Exception Detail: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 43.75% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br>2023/XX/21: Non-Qualified Mortgage qualifying rate is the greater of the fully indexed rate at fully amortized payment (4.26075%). or the Note Rate at the fully amortized payment (3.875%). The Non QM qualifying rate results in a DTI of 43.56% moderately exceeding the guideline maximum of 43%. Exception remains.<br>2023/XX/27: DD is unable to clear. The standard qualification method reflects a DTI of 43.56%. Condition remains.<br>2023/XX/03: Updated qualification method. |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373328 | compliance | 2 | CHARM Booklet Disclosure Timing | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. | Provide evidence the Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, was provided to the borrower within three (3) days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 1/XX/2018 | 1/XX/2019 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373329 | compliance | 3 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Client elects to restate loan to NonQM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373330 | compliance | 3 | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.55954% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Able to be waived down with compensating factors. |  |  |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449132 | Upsize | XXX | XXX | XXX | 29373331 | credit | 3 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 43.55954% exceeds Guideline total debt ratio of 43.00000%. | May be waived down with compensating factors. |  |  |  | 1/XX/2018 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449908 | Upsize | XXX | XXX | XXX | 29373470 | property | 3 | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: 07/XX/2015 | Appraiser's license or certification was not active at the time of the appraisal. |  |  |  | 8/XX/2015 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449908 | Upsize | XXX | XXX | XXX | 29373471 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in FEMA Disaster Area. Provide a post-disaster inspection verifying there was no damage from disaster. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 8/XX/2015 |  | CA | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/31: BPO dated 5/XX/23 showing no damage to property has been received. |
| 6452449908 | Upsize | XXX | XXX | XXX | 29373472 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2015) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 8/XX/2015 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449908 | Upsize | XXX | XXX | XXX | 29373473 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | The Right to Receive Copy of Appraisal Disclosure was not provided to borrower within 3 days of initial application. |  | There is generally no Assignee Liability. |  | 8/XX/2015 |  | CA | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452449908 | Upsize | XXX | XXX | XXX | 29373474 | credit | 3 | REO Documents are missing. | Address: XXX, CA Statement | Mortgage statement missing forXXX, CA. |  |  |  | 8/XX/2015 |  | CA | Refinance - Rate/Term | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452450451 | Upsize | XXX | XXX | XXX | 29373561 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations is missing in file |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 6/XX/2019 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450451 | Upsize | XXX | XXX | XXX | 29373562 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 6/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/31: BPO provided reflecting no damage. |
| 6452450451 | Upsize | XXX | XXX | XXX | 29373563 | property | 1 | The loan is to be securitized and the appraisal certification was not included in the provided valuation. Securitization valuations are required to be FIRREA/USPAP compliant. | Valuation Type: Appraisal / Valuation Report Date: 06/XX/2019 | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | 6/XX/2019 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/31: Client not securitizing loan. |
| 6452450062 | Upsize | XXX | XXX | XXX | 29373671 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Post Disaster Inspection Document Needed |  |  |  | 9/XX/2017 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: Received BPO confirming no damage. |
| 6452450062 | Upsize | XXX | XXX | XXX | 29373672 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E- Sign Consent Document Missing |  |  |  | 9/XX/2017 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450062 | Upsize | XXX | XXX | XXX | 29373673 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The guidelines require 7/1 ARMS to be qualified using the Note rate, causing the loan to waterfall through the QM Testing. |  |  |  | 9/XX/2017 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450755 | Upsize | XXX | XXX | XXX | 29373692 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | 12/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  | 2023/XX/25: Missing signed and dated initial application. |
| 6452450755 | Upsize | XXX | XXX | XXX | 29373693 | compliance | 2 | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450755 | Upsize | XXX | XXX | XXX | 29373694 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2014 | 12/XX/2015 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450755 | Upsize | XXX | XXX | XXX | 29373695 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2014) | File is missing evidence the borrower received the appraisal at least 3 business days prior to the closing date |  |  |  | 12/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450755 | Upsize | XXX | XXX | XXX | 29373696 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2014 | 12/XX/2015 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450755 | Upsize | XXX | XXX | XXX | 29373697 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 12/XX/2014 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 5/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/31: BPO provided reflects no damage. |
| 6452450755 | Upsize | XXX | XXX | XXX | 29373698 | compliance | 2 | (Doc Error) GFE Error: Changed Circumstance not provided. | GFE Date: 12/XX/2014 Changed Circumstance not provided for GFE dated 12/XX/2014 from GFE dated 11/XX/2014 |  |  |  |  | 12/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449753 | Upsize | XXX | XXX | XXX | 29373730 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2017) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2017) |  |  |  | 6/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449753 | Upsize | XXX | XXX | XXX | 29373731 | compliance | 1 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  | 6/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/04: qual method updated |
| 6452449753 | Upsize | XXX | XXX | XXX | 29373732 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule C) | Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule C) |  |  |  | 6/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449753 | Upsize | XXX | XXX | XXX | 29373733 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 03/XX/2017. (XXX XXX/S-Corp) | Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 03/XX/2017. (XXX XXX/S-Corp) |  |  |  | 6/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449753 | Upsize | XXX | XXX | XXX | 29373734 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 6/XX/2017 | 6/XX/2018 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449753 | Upsize | XXX | XXX | XXX | 29373735 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 6/XX/2017 | 6/XX/2018 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449753 | Upsize | XXX | XXX | XXX | 29373736 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 6/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: Received BPO confirming no damage. |
| 6452449753 | Upsize | XXX | XXX | XXX | 29373737 | credit | 3 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | 6/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449753 | Upsize | XXX | XXX | XXX | 29373738 | credit | 3 | REO Documents are missing. | Address: XXX, CA, Address: XXX, CA, Address: XXX, CA Insurance Verification, Tax Verification<br> Statement<br> Lease Agreement, Statement |  |  |  |  | 6/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450507 | Upsize | XXX | XXX | XXX | 29373844 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2016) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450507 | Upsize | XXX | XXX | XXX | 29373845 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement disclosure is missing in file. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450507 | Upsize | XXX | XXX | XXX | 29373846 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet Disclosure is missing in file. Please provide. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2016 | 12/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450507 | Upsize | XXX | XXX | XXX | 29373848 | credit | 3 | Missing Document: Purchase Agreement / Sales Contract not provided |  | Purchase Contract is missing in file. Please provide. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> D | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450507 | Upsize | XXX | XXX | XXX | 29373849 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Post Disaster Inspection report is missing in file. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/01: Received BPO confirming no damage. |
| 6452450507 | Upsize | XXX | XXX | XXX | 29373850 | credit | 3 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Per lender guides, for an extended LTV of 80%, borrower must have a 740 fico which they do not have. Max LTV is 75% per lender guides. |  |  |  | 12/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450035 | Upsize | XXX | XXX | XXX | 29373851 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  | 9/XX/2017 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: Received BPO confirming no damage. |
| 6452450035 | Upsize | XXX | XXX | XXX | 29373852 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Consumer Handbook on Adjustable-Rate Mortgages, CHARM Booklet, not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2017 | 9/XX/2018 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450035 | Upsize | XXX | XXX | XXX | 29373853 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2017) | Evidence of borrowers receipt of the appraisal prior to closing was not provided. |  |  |  | 9/XX/2017 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450035 | Upsize | XXX | XXX | XXX | 29373854 | compliance | 2 | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2017 incorrectly disclosed whether the loan will have an escrow account. (Final/09/XX/2017) | Violation was cured on the PCCD dated 03/XX/2018, however for a full remediation cure, a copy of the letter to the borrower explaining the error is required, however is missing from the file. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2017 | 9/XX/2018 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450035 | Upsize | XXX | XXX | XXX | 29373856 | credit | 3 | Missing Document: HELOC Agreement not provided |  | The Heloc agreement for the 2nd lien is missing from the file. |  |  |  | 9/XX/2017 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450035 | Upsize | XXX | XXX | XXX | 29373857 | credit | 3 | Missing Document: Note - Subordinate Lien not provided |  | Second mortgage Note is mssing. |  |  |  | 9/XX/2017 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450035 | Upsize | XXX | XXX | XXX | 29373858 | credit | 3 | Income Docs Missing: | Borrower: XXX Balance Sheet | Per lender guides, a year to date Balance Sheet through the most recent quarter prior to the note date is required however is missing. |  |  |  | 9/XX/2017 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450035 | Upsize | XXX | XXX | XXX | 29373859 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | Date of disclosure or evidence of when borrower received the disclosure is missing. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2017 | 9/XX/2018 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373860 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in the file. |  |  |  | 6/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373861 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Subject property was appraised on XX/XX/XXXX prior to the FEMA disaster (XXX) dated XX/XX/XXXX. File is missing a property inspection dated after the disaster, or the lander's Rep and warranty attestation along with visible confirmation that the subject property was not damaged. |  |  |  | 6/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/01: Received BPO confirming no damage. |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373862 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 6/XX/2016 | 6/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373863 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 6/XX/2016 | 6/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373865 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX Insufficient or no cure was provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2016 | 6/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373866 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/06/XX/2016) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2016 | 6/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373867 | compliance | 2 | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/XX/2016 disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/06/XX/2016) | Final Closing Disclosure provided on 06/XX/2016 disclosed a Product that does not match the actual product for the loan |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2016 | 6/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373868 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2016 with an increasing payment did not disclose the frequency of adjustments. (Final/06/XX/2016) | Final Closing Disclosure provided on 06/XX/2016 with an increasing payment did not disclose the frequency of adjustments |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2016 | 6/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373869 | compliance | 2 | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 06/XX/2016 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/06/XX/2016) | The Contact Information section of the final CD did not disclose the Lender's Contact. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2016 | 6/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373870 | compliance | 2 | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2016 disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (Final/06/XX/2016) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2016 disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2016 | 6/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX | 29373871 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016) | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 6/XX/2016 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449348 | Upsize | XXX | XXX | XXX | 29373961 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  | 4/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  | 2023/XX/01: BPO inspector unable to access property to determine condition. Finding remains open. |
| 6452449348 | Upsize | XXX | XXX | XXX | 29373962 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower missing in file |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 4/XX/2016 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449348 | Upsize | XXX | XXX | XXX | 29373964 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 04/XX/2016). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold. (Final/04/XX/2016) | Post closing CD cured the violation, however for a full remediation, a copy of the letter to the borrower explaining the error would be required. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2016 | 4/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374445 | credit | 3 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Latest inspection is prior latest FEMA disaster declaration. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail |  | 2023/XX/31: The BPO provided does not indicate no damage and there are no photos.<br>2023/XX/01: Trailing docs did not contain any docs to clear this exception. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374446 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 06/XX/2016 | Evidence of warrantable condo is missing from file. Missing lender approval. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374448 | compliance | 3 | General Ability To Repay Provision Employment - Partnership Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/Partnership) | This is due to missing the balance sheet for this business and the verbal VOE. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: Dispute: XXX XXX, XXX, XXX, and XXX . verified active by secretary of state on 7/XX/16 vs. note date 7/XX/16. Balance Sheet as of 5/XX/16 for XXX XXX and XXX uploaded under Closing Package/MISC/Items to send with Closing Package 8/XX/16 3:56pm.<br>2023/XX/05: N/A; Duplicative Exception | 2023/XX/13: No new documentation provided, exceptions remain.<br>2023/XX/28: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: Reviewed original file and all trailing docs. The remaining documentation is missing and listed per entity. XXX: year to date Balance sheet. XXX: year to date Balance sheet and third party verification dated within lender required timeframe verifying dates of operation. XXX: year to date Balance Sheet. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374449 | compliance | 3 | General Ability To Repay Provision Employment - Partnership Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX, LLC/Partnership) | This is due to missing the balance sheet for this business and the verbal VOE. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: same as above: Dispute: XXX XXX.,XXX, XXX, and XXX . verified active by secretary of state on 7/XX/16 vs. note date 7/XX/16. Balance Sheet as of 5/XX/16 for XXX, XXX, and XXX<br>2023/XX/05: Self-Employment documentation uploaded. | 2023/XX/28: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: Reviewed original file and all trailing docs. The remaining documentation is missing and listed per entity. XXX: year to date Balance sheet. XXX: year to date Balance sheet and third party verification dated within lender required timeframe verifying dates of operation. XXX: year to date Balance Sheet. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374452 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance increased without a valid change of circumstance. Cure was not provided. |  |  |  | 7/XX/2016 | 7/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374453 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Appraisal fee increased without a valid change of circumstance. Cure was not provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2016 | 7/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374454 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75117) | Credit report increased without a valid change of circumstance. Cure was not provided at closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2016 | 7/XX/2017 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374455 | compliance | 1 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) | This is due to missing a balance sheet for YTD. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Fail | 2023/XX/18: same as above. Dispute: XXX XXX.,XXX, XXX, and XXX . verified active by secretary of state on 7/XX/16 vs. note date 7/XX/16. Balance Sheet as of 5/XX/16 for XXX, XXX, and XXX<br>2023/XX/05: Balance Sheets uploaded. | 2023/XX/28: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: Reviewed original file and all trailing docs. The remaining documentation is missing and listed per entity. XXX: year to date Balance sheet. XXX: year to date Balance sheet and third party verification dated within lender required timeframe verifying dates of operation. XXX: year to date Balance Sheet.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374456 | compliance | 1 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) | This is due to missing a balance sheet for YTD. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Fail | 2023/XX/18: same as above. Dispute: XXX XXX.,XXX, XXX, and XXX . verified active by secretary of state on 7/XX/16 vs. note date 7/XX/16. Balance Sheet as of 5/XX/16 for Harper Homes, Int'l Acete<br>2023/XX/05: N/A; Duplicative Exception | 2023/XX/28: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: Reviewed original file and all trailing docs. The remaining documentation is missing and listed per entity. XXX: year to date Balance sheet. XXX: year to date Balance sheet and third party verification dated within lender required timeframe verifying dates of operation. XXX: year to date Balance Sheet.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374457 | compliance | 1 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) | This is due to missing the balance sheet for this business and the verbal VOE. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Fail | 2023/XX/18: Dispute: Balance Sheets were not required for real estate pass-through companies such as XXX in 2016.<br> Concur: No VOE in file.<br>2023/XX/25: Agree with error | 2023/XX/28: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374458 | compliance | 1 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) | This is due to missing the balance sheet for this business and the verbal VOE. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Fail | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/28: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374459 | compliance | 1 | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) | This is due to missing the 2014 W2. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Fail | 2023/XX/18: Concur: Unable to locate 2014 W2 for XXX from XXX. 2014 1040s does not include a statement page identifying source of W2 income.<br>2023/XX/25: Agree with error | 2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374460 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail due to missing income documents. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 10/XX/2023 |  | Yes |  |  | ATR Fail | 2023/XX/18: Final DTI per the final 1008 is 16.94% which consists of $XXX PITIA and $XXX all other payments against the calculated income of $XXX/mo.<br>2023/XX/05: 1003s & 1008; UW Workbook uploaded. | 2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/06: Reviewed original file and all trailing docs. The remaining documentation is missing and listed per entity. Seon Investment: year to date Balance sheet. Dany Investment: year to date Balance sheet and third party verification dated within lender required timeframe verifying dates of operation. Ethan Development: year to date Balance Sheet.<br>2023/XX/03: Client elects to restate loan designation to Non QM. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374461 | credit | 3 | Income Docs Missing: | Borrower: XXX, Borrower: XXX Balance Sheet, Third Party Verification<br> Balance Sheet, Third Party Verification | Missing the balance sheet for businesses, XXX; XXX; XXX. Verbal VOE missing for businesses, XXX. missing 2014 W2 for XXX. |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/28: Only the 2014 W2 was provided. Condition remains.<br>2023/XX/01: EXCEPTION HISTORY - Exception Explanation was updated on 08/XX/2023 PRIOR Exception Explanation: Balance Sheet, Third Party Verification, W-2 (2014)<br> Balance Sheet, Third Party Verification<br>2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374462 | credit | 3 | REO Documents are missing. | Address: XXX, CA HOA Verification, Insurance Verification | Missing for the non-subject REO |  |  |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Fail | 2023/XX/18: Concur: unable to locate HOA/insurance verification on XXX.<br>2023/XX/25: Agree with error | 2023/XX/21: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450676 | Upsize | XXX | XXX | XXX | 29374463 | compliance | 3 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Client elects to restate loan designation to Non QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2016 |  | CA | Purchase | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Fail |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374541 | compliance | 2 | RESPA Disclosure - HUD Settlement Cost Booklet Missing | RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. | Missing HUD Settlement Cost Booklet.. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374542 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374543 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply. |  |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2014 | 5/XX/2015 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374544 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Missing CHARM Booklet Disclosure. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2014 | 5/XX/2015 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374545 | compliance | 1 | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) | Loan file is missing a YTD P&L statement and a Balance Sheet for the co-borrower's business. |  |  |  | 5/XX/2014 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: P and L through March 2014 in file, Bal Sheet not required for schedule C business that is service related<br>2023/XX/25: Disagree with interpretation of ATR requirements. XXX guidelines (RLU-NA section 302-2.1.3) state YTD Balance Sheets are not required for Schedule C businesses unless the business carries an inventory. | 2023/XX/02: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Safe Harbor requires a year to date balance sheet and third party verification dated within lenders required time frame reflecting the dates of operation and that the business was in good standing at the time of closing. Condition remains.<br>2023/XX/14: Loan redesignated to NonQM. |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374546 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2014) | As per Appraisal acknowledgement document signed on closing borrower did not select any option. |  |  |  | 5/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374547 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | Loan considered to be at ATR Risk due to missing income documentation for the co-borrower and the DTI issue. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2014 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/02: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/14: Loan redesignated to NonQM. |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374548 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | Missing signed and dated Initial 1003. |  |  |  | 5/XX/2014 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374549 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area.<br> A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 5/XX/2014 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: BPO provided does not reflect damage. |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374551 | credit | 3 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2009 | Missing Verification of Employment for borrower XXX. |  |  |  | 5/XX/2014 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM | 2023/XX/18: VOE for XXX located under VOE uploaded with a completion date 5/XX/14 (page 7 of 13)<br>2023/XX/25: Agree with error based on timing, but don't agree that a missing VOE significantly changes ATR impact based on the overall risk & quality of the transaction. | 2023/XX/02: WVOE provided is dated 04/XX/2014 and the note date is 05/XX/2014. Condition remains for missing VVOE dated within 10 business days of the note date.<br>2023/XX/22: VOE in file is dated 04/XX/2014. Condition remains.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374552 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Taxes and Insurance Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment on the loan during the first five (5) years of the loan. | Final TIL first five years escrow payment amount of $XXX is less than calculated payment amount of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2014 | 5/XX/2015 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374553 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan. | Final TIL first five years total payment amount of $XXX is less than calculated payment amount of $XXX. There is a variance of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2014 | 5/XX/2015 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374554 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Escrow Amount Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment that may apply during the life of the loan. | The "Maximum Ever" amount $XXX of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment that may apply during the life of the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2014 | 5/XX/2015 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374555 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan. | The "Maximum Ever" total payment amount of (PITI) in the amount of $XXXon the Final TIL does not match the calculated amount of $XXX. There is a variance of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2014 | 5/XX/2015 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374556 | compliance | 2 | 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate | Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. | The amount of taxes and insurance, including any mortgage insurance in the amount of $XXX on the Final TIL does not match the calculated amount of $XXX. There is a variance of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2014 | 5/XX/2015 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374557 | compliance | 2 | 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate | Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | Total payment amount of $XXX(PITI) on the Final TIL does not match the calculated amount of $XXX. There is a variance of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2014 | 5/XX/2015 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374558 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan is at ATR Risk due to the missing income/employment documentation and the DTI issue. |  |  |  | 5/XX/2014 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 9/XX/2023 |  | Yes |  |  | Non QM | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Duplicate and/or waterfall exception | 2023/XX/02: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/22: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/14: Loan redesignated to NonQM. |
| 6452449124 | Upsize | XXX | XXX | XXX | 29374560 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan redesignated to NonQM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2014 |  | CA | Purchase | Primary | No<br> B<br> A | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450905 | Upsize | XXX | XXX | XXX | 29374938 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area post-close. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 3/XX/2017 |  | CA | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452450268 | Upsize | XXX | XXX | XXX | 29375266 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2017) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450268 | Upsize | XXX | XXX | XXX | 29375268 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450268 | Upsize | XXX | XXX | XXX | 29375269 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Property Inspection report is required as available inspection report was issued before Disaster Declaration date. |  |  |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Safe Harbor QM |  | 2023/XX/01: Received BPO confirming no damage. |
| 6452450268 | Upsize | XXX | XXX | XXX | 29375270 | credit | 2 | Incorrect Appraisal Form type: Appraisal Form 1004C/70B used for incorrect Subject property type. | Valuation Type: Appraisal / Valuation Report Date: 11/XX/2017 Single Family Detached | Appraisal Form 1004C/70B updated as per the document. |  |  |  | 12/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375366 | credit | 1 | Missing Document: Missing Final 1003 |  | The file is missing a copy of Final 1003 Application. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375367 | credit | 1 | Missing Document: Appraisal not provided |  | The file is missing a copy of Appraisal Report |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received appraisal. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375368 | credit | 1 | Missing Document: Flood Certificate not provided |  | The file is missing a copy of Flood Certificate Report. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received flood cert. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375369 | credit | 1 | Missing Document: Credit Report not provided |  | The file is missing a copy of Credit Report |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received credit report. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375370 | credit | 1 | Missing Document: Fraud Report not provided |  | The file is missing a copy of Fraud Report |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received fraud report. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375371 | credit | 1 | Missing Document: Occupancy Certificate not provided |  | The is missing a copy of Occupancy Certificate |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375372 | credit | 1 | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: Received BPO confirming no damage. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375373 | credit | 1 | AUS/Guideline Findings: All conditions were not met |  | The file is missing a copy of Credit and Fraud Report, required by guidelines, and the DTI ratio exceeds the maximum allowed. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375374 | credit | 1 | Income Docs Missing: | Borrower: XXX 4506-T (2016), 4506-T (2017), VVOE - Employment Only, W-2 (2017) | The file is missing a copy of 4506-T (2016), 4506-T (2017), VVOE - Employment Only, W-2 (2017) |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/27: 4506T was provided. Condition remains for missing VVOE.<br>2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375375 | credit | 1 | No evidence of fraud report in file | Credit Report: Original // Borrower: XXX | The file is missing a copy of Fraud Report |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received fraud report |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375376 | credit | 1 | REO Documents are missing. | Address: XXX, CA Insurance Verification, Statement, Tax Verification | The file is missing a copy of Hazard Insurance, Mortgage Statement and Tax Certificate |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/27: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375377 | compliance | 1 | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/12403215) | The file is missing the most recent W-2 and a VVOE to verify the employment dates, causing the loan to waterfall through the QM Testing. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375378 | compliance | 3 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) | QM requires a lease agreement, which is missing from the loan file, causing the loan to waterfall through the QM Testing. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM | 2023/XX/18: Concur, unable to locate lease for property which was a self-rental to the borrower's 100% owned business and therefore the rent is offset by a rental expense for the business. | 2023/XX/22: No additional documentation provided. Exception remains. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375379 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  | There is no Assignee Liability. |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375380 | compliance | 1 | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Unable to verify debt obligations using reasonably reliable third-party records due to the missing credit report from the loan file. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received credit report. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375381 | compliance | 1 | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) | The file is missing the most recent W-2 and a VVOE to verify the employment dates, causing the loan to waterfall through the QM Testing. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375382 | compliance | 1 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The guidelines require 10/1 ARMS to be qualified using the Note rate, causing the loan to waterfall through the QM Testing. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375383 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Due to missing income documentation and origination credit report the ability to repay is not supported, causing the loan to waterfall through the QM Testing. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received credit report and 2017 W2; however, other income documentation remains missing (separate exceptions for these items). Finding remains open as not all items yet received.<br>2023/XX/01: Trailing docs did not contain any docs to clear this exception.<br>2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375385 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Due to missing income documentation and origination credit report the ability to repay is not supported, causing the loan to waterfall through the QM Testing. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | Non QM | 2023/XX/18: Missing lease document per finding above. | 2023/XX/22: No additional documentation provided. Exception remains.<br>2023/XX/22: EXCEPTION HISTORY - Exception Detail was updated on 08/XX/2023 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375386 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Due to missing income documentation and origination credit report the ability to repay is not supported, causing the loan to waterfall through the QM Testing. |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375387 | compliance | 1 | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (XXX/12403215) | The credit report is missing from the loan file, causing the loan to waterfall through the QM Testing. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received credit report. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375388 | compliance | 2 | TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. | Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2018 | 12/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375389 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2018 | 12/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375390 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 12/XX/2018 | 12/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/30: Missing CHARM Booklet provided within 3 days of application. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375391 | compliance | 2 | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/XX/2018 disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/12/XX/2018) | General Information: Final Closing Disclosure provided on 12/XX/2018 disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2018 | 12/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375392 | credit | 1 | Income documentation requirements not met. |  | Loan file is missing 2 year previous W-2's,and VVOE as required. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375393 | credit | 1 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 12/XX/2002 | VVOE was not provided. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375394 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan file is missing 2 year previous W-2's,and VVOE as required. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375395 | credit | 1 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 46.59173% exceeds Guideline total debt ratio of 43.00000%. | Guidelines allowed for a max DTI of 43.00%. Due to missing prior 2 years W-2's or 1040 tax returns, VVOE and origination credit report, the calculated DTI 46.59173% exceeds allowed DTI. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375396 | compliance | 1 | General Ability To Repay Provision Non QM DTI significantly exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 49.68% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Guidelines allowed for a max DTI of 43.00%. Due to missing prior 2 years W-2's or 1040 tax returns, VVOE and origination credit report, the calculated DTI 46.59173% exceeds allowed DTI, causing the loan to waterfall through the QM Testing. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375397 | credit | 1 | Asset documentation requirements not met. |  | The guidelines do not allow for cash proceeds to be used as verified assets. The borrower has no assets verified to meet the reserve requirement. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375398 | credit | 1 | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of is less than Guideline PITIA months reserves of 6.00. | The guidelines do not allow for cash proceeds to be used as verified assets. The borrower has no assets verified to meet the reserve requirement. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375399 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2018) | Nothing in the loan file to evidence delivery of the appraisal to the borrower. |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451113 | Upsize | XXX | XXX | XXX | 29375400 | credit | 1 | The verification of employment is required and was not found in file. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 12/XX/2002 |  |  |  |  | 12/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/03: Received required documentation. Condition cleared. |
| 6452451046 | Upsize | XXX | XXX | XXX | 29375432 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | Missing signed and dated Initial Loan Application. |  |  |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451046 | Upsize | XXX | XXX | XXX | 29375433 | credit | 3 | Missing Document: Approval not provided |  | The Approval document was not provided. |  |  |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451046 | Upsize | XXX | XXX | XXX | 29375434 | credit | 3 | Missing Document: Flood Certificate not provided |  | Missing Flood Certificate. |  |  |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451046 | Upsize | XXX | XXX | XXX | 29375435 | credit | 3 | Missing Document: Occupancy Certificate not provided |  | Occupancy Certificate was not provided. |  |  |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451046 | Upsize | XXX | XXX | XXX | 29375436 | credit | 3 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 06/XX/1992 | Missing borrower(s) Verification of employment within 10 days of the Note. |  |  |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Investment | No<br> C | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451046 | Upsize | XXX | XXX | XXX | 29375437 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | "Right to Receive a Copy" appraisal disclosure was not provided to borrower(s) within three (3) business days of application. |  | There is generally no Assignee Liability. |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Investment | No<br> B | 7/XX/2023 |  |  |  |  |  | N/A |  |  |
| 6452451046 | Upsize | XXX | XXX | XXX | 29375438 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area.<br> A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 9/XX/2015 |  | CA | Refinance - Cash-out - Other | Investment | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | N/A |  | 2023/XX/01: Received BPO confirming no damage. |
| 6452450134 | Upsize | XXX | XXX | XXX | 29375569 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Most recent Inspection date not provided |  |  |  | 10/XX/2020 |  | CA | Purchase | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: Received BPO confirming no damage. |
| 6452450134 | Upsize | XXX | XXX | XXX | 29375570 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 10/XX/2020 |  | CA | Purchase | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450134 | Upsize | XXX | XXX | XXX | 29375571 | credit | 2 | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  | 10/XX/2020 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450134 | Upsize | XXX | XXX | XXX | 29375572 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/10/XX/2020) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2020 | 10/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450134 | Upsize | XXX | XXX | XXX | 29375574 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet, not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2020 | 10/XX/2021 | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/30: Missing CHARM Booklet provided within 3 days of application. |
| 6452450134 | Upsize | XXX | XXX | XXX | 29375575 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/09/XX/2020) | There is no evidence the appraisal was provided to the borrower at closing. |  | There is generally no Assignee Liability. |  | 10/XX/2020 |  | CA | Purchase | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450097 | Upsize | XXX | XXX | XXX | 29375994 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 06/XX/2015 | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | 8/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450097 | Upsize | XXX | XXX | XXX | 29375995 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | File is missing a fully executed initial application. |  |  |  | 8/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/29: Missing Initial signed/dated 1003.<br>2023/XX/30: Missing Signed/dated Initial 1003. |
| 6452450097 | Upsize | XXX | XXX | XXX | 29375996 | credit | 3 | Missing Document: Approval not provided |  |  |  |  |  | 8/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450097 | Upsize | XXX | XXX | XXX | 29375997 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2015 | 8/XX/2016 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450097 | Upsize | XXX | XXX | XXX | 29375998 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet Disclosure is required to mitigate this exception. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2015 | 8/XX/2016 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  | 2023/XX/30: Missing CHARM Booklet provided within 3 days of application. |
| 6452450097 | Upsize | XXX | XXX | XXX | 29375999 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2015) | As per Appraisal acknowledgement document signed on closing borrower did not select any option |  |  |  | 8/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450097 | Upsize | XXX | XXX | XXX | 29376000 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | RESPA disclosure signed at close 8/XX/2015. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 8/XX/2015 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450529 | Upsize | XXX | XXX | XXX | 29376048 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 8/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452450529 | Upsize | XXX | XXX | XXX | 29376049 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 8/XX/2018 | 8/XX/2019 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450529 | Upsize | XXX | XXX | XXX | 29376050 | compliance | 2 | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 8/XX/2018 | 8/XX/2021 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450529 | Upsize | XXX | XXX | XXX | 29376051 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2018, Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. (XXX XXX/S-Corp) | This EV 2 exception is for informational purposes due to the 2017 taxes are on extension. |  |  |  | 8/XX/2018 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450529 | Upsize | XXX | XXX | XXX | 29376052 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75197) | Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2018 | 8/XX/2019 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450529 | Upsize | XXX | XXX | XXX | 29376053 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564) | Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564) |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2018 | 8/XX/2019 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449032 | Upsize | XXX | XXX | XXX | 29376324 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Copy of e-sign agreement document is not available in file. |  |  |  | 7/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449032 | Upsize | XXX | XXX | XXX | 29376325 | property | 3 | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: 06/XX/2017 | 442 was not provided. |  |  |  | 7/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449032 | Upsize | XXX | XXX | XXX | 29376326 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule C) | The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017 |  |  |  | 7/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449032 | Upsize | XXX | XXX | XXX | 29376327 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) | Zero percent fee tolerance exceeded. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2017 | 7/XX/2018 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449032 | Upsize | XXX | XXX | XXX | 29376328 | credit | 3 | Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $XXX. | Cash to Borrower: ; Total Cash Out: $XXX; Refi Purpose: Rate/Term | Borrower received total cash out of $XXX, which is greater than the lessor of $XXX or 2% of the loan amount. |  |  |  | 7/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449032 | Upsize | XXX | XXX | XXX | 29376329 | credit | 3 | Aged document: Asset Account date is more than 90 days prior to Closing. | Financial Institution: XXX // Account Type: 401(k)/403(b) Account / Account Number: XXX |  |  |  |  | 7/XX/2017 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452449846 | Upsize | XXX | XXX | XXX | 29376397 | credit | 1 | REO Documents are missing. | Address: XXX, CA HOA Verification | HOA Verification is missing for XXX, CA. |  |  |  | 8/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: Agree with findings. The July 2019 HOA quarterly statement from XXX Mgmt is in loan file. The quarterly payment is $XXX ($XXX annually). The annual HOA dues were not accounted for in the schedule E rental income analysis for the property in question. Adding the annual payment of $XXX would result in monthly negative cashflow of $XXX vs $XXX revising the total net rental income from $XXX to $XXX. Revised qualifying income would be $XXX. Revised DTI would be 49.675% consisting of $XXX PITI payment against revised income of $XXX. | 2023/XX/22: HOA document located in file. |
| 6452449846 | Upsize | XXX | XXX | XXX | 29376398 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area post-close. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 8/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/01: PDI provided, exception cleared. |
| 6452449846 | Upsize | XXX | XXX | XXX | 29376399 | compliance | 3 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation due to DTI Discrepancy. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 8/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: Although HOA dues were errorneously excluded from debt service which causes excessived DTI, ATR is still met as borrowers residual income is $XXX per mos<br>2023/XX/25: Agree with error, but don't agree with ATR impact based on overall file risk & quality. | 2023/XX/22: The guidelines require the subject payment to use the greater of the Note rate or the fully-indexed rate amortized over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI exceeds the maximum allowed by more than 5% and is not eligible to be waived regraded.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452449846 | Upsize | XXX | XXX | XXX | 29376400 | compliance | 3 | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 52.60415% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Calculated DTI of 52.48% exceeds guideline limit of DTI 45%. |  |  |  | 8/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: Already addressed above. Justifications for DTI exception- Per final 1008; Low LTV 25.255% and Liquidity, post close reserves equal to 150 months PITI<br>2023/XX/25: Agree with error, but don't agree with ATR impact based on overall file risk & quality. | 2023/XX/22: The guidelines require the subject payment to use the greater of the Note rate or the fully-indexed rate amortized over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI exceeds the maximum allowed by more than 5% and is not eligible to be waived regraded.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452449846 | Upsize | XXX | XXX | XXX | 29376401 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/08/XX/2019) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2019 | 8/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449846 | Upsize | XXX | XXX | XXX | 29376402 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2019 | 8/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449846 | Upsize | XXX | XXX | XXX | 29376403 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2019 | 8/XX/2020 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452449846 | Upsize | XXX | XXX | XXX | 29376404 | credit | 3 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 52.60415% exceeds Guideline total debt ratio of 45.00000%. | Calculated DTI of 52.48% exceeds guideline limit of DTI 45%. |  |  |  | 8/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: N/A; Duplicative Exception<br>2023/XX/25: Agree with error, but don't agree with ATR impact based on overall file risk & quality. | 2023/XX/22: The guidelines require the subject payment to use the greater of the Note rate or the fully-indexed rate amortized over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI exceeds the maximum allowed by more than 5% and is not eligible to be waived regraded.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452449846 | Upsize | XXX | XXX | XXX | 29376405 | compliance | 3 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan has ATR failure due to DTI discrepancy. |  |  |  | 8/XX/2019 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: Already addressed above. Justifications for DTI exception- Per final 1008; Low LTV 25.255% and Liquidity, post close reserves equal to 150 months PITI<br>2023/XX/25: Agree with error, but don't agree with ATR impact based on overall file risk & quality. | 2023/XX/22: The guidelines require the subject payment to use the greater of the Note rate or the fully-indexed rate amortized over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI exceeds the maximum allowed by more than 5% and is not eligible to be waived regraded.<br>2023/XX/26: No supporting trailing documentation was provided to clear this exception. Exception remains. |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376614 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 5/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | ATR Risk |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376615 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign consent agreement is missing |  |  |  | 5/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376616 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2017) |  |  |  |  | 5/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376617 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | 10/1 ARM qualified at Note rate per guidelines. |  |  |  | 5/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376618 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 5/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376620 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 5/XX/2017 | 5/XX/2018 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk |  |  |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376621 | compliance | 3 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C<br> B | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: Agree<br>2023/XX/25: Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI. | 2023/XX/21: Per lenders final 1003, loan was approved with a 44.871% DTI. Condition remains.<br>2023/XX/15: Received updated 1008, however it appears the lender did not include the REO liabilities in the DTI. Condition remains.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376622 | credit | 1 | REO Documents are missing. | Address: XXX, TN Statement |  |  |  |  | 5/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | ATR Risk | 2023/XX/18: property identified as an apartment complex/commercial property - used 1040 for expenses, loss includedi n ratios | 2023/XX/21: Credit report used for P&I payment. Condition cleared. |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376623 | credit | 3 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 44.69592% exceeds Guideline total debt ratio of 44.00000%. | Loan was approved at 44.7% exceeding 44% maximum DTI. |  |  |  | 5/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: Max DTI for program is 43%, Uwer calcuated DTI at 40.870%<br>2023/XX/25: Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI. | 2023/XX/21: Per lenders final 1003, loan was approved with a 44.871% DTI. Condition remains.<br>2023/XX/15: Received updated 1008, however it appears the lender did not include the REO liabilities in the DTI. Condition remains.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376624 | compliance | 3 | General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 44.69592% and based on 1026.43(c)(5) of 48.85% moderately exceed the guideline maximum of 44.00%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | 5/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: Agree<br>2023/XX/25: Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI. | 2023/XX/21: Per lenders final 1003, loan was approved with a 44.871% DTI. Condition remains.<br>2023/XX/15: Received updated 1008, however it appears the lender did not include the REO liabilities in the DTI. Condition remains.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452450084 | Upsize | XXX | XXX | XXX | 29376625 | compliance | 3 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to DTI. |  |  |  | 5/XX/2017 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | ATR Risk | 2023/XX/18: Agree<br>2023/XX/25: Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI. | 2023/XX/21: Per lenders final 1003, loan was approved with a 44.871% DTI. Condition remains.<br>2023/XX/15: Received updated 1008, however it appears the lender did not include the REO liabilities in the DTI. Condition remains.<br>2023/XX/27: Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376706 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/02: Received BPO. Condition cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376707 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | Yes | 11/XX/2018 | 12/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376708 | credit | 1 | Missing Document: Flood Certificate not provided |  |  |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Exception cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376709 | credit | 1 | Missing Document: Credit Report not provided |  |  |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Received |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376710 | credit | 1 | Missing Document: Occupancy Certificate not provided |  |  |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Exception cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376711 | compliance | 3 | Missing Document: Note - Subject Lien not provided |  |  |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> D | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376712 | credit | 3 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXX. Provide updated policy reflecting minimum coverage of $XXX OR Provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376713 | credit | 1 | Income Docs Missing: | Borrower: XXX 4506-T (2016), 4506-T (2017), Award Letter / Continuance Letter, Paystubs, W-2 (2016), W-2 (2017) |  |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Exception cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376714 | credit | 1 | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXX // Account Type: Stocks / Account Number: XXX | Guidelines require 2 months asset statements, only one month provided in file. |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Exception cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376715 | compliance | 1 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: FACTA disclosure received |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376716 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376717 | compliance | 1 | General Ability To Repay Provision Income and Assets - Other Income Doc Source Null | Ability to Repay (Dodd-Frank 2014): Unable to verify alternate income source using reasonably reliable third-party records. (XXX Retired/Social Security) | Missing income documentation for retirement income. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Exception cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376718 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing income and asset documentation. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: All missing income and asset documentation has been received. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376719 | compliance | 1 | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | Credit report missing in loan file |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Credit report received |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376720 | compliance | 1 | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) | Missing income documentation for all income sources used to qualify. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Exception cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376722 | compliance | 1 | TRID Closing Disclosure Status Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing. | No CD's in file are executed by the borrower to determine received date. |  | High Cost or Anti-Predatory Lending Testing impact, therefore no SOL considerations.<br> For TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/02: Final CD was provided. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376723 | compliance | 1 | Right of Rescission Timing - Receipt Date Missing | Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements. | No CD's in file are executed by the borrower to determine received date. |  | TILA ROR - 3yrs for rescindable transactions. | Yes | 11/XX/2018 | 12/XX/2021 | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/02: Final CD was provided. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376724 | property | 3 | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: 10/XX/2018 |  |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376725 | compliance | 2 | ARM Disclosure Timing Test | Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information. | ARM Disclosure in the file does not contain a date provided. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | Yes | 11/XX/2018 | 12/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376726 | compliance | 2 | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | Evidence of borrower's earlier receipt of the disclosure was not provided. |  |  | Yes | 11/XX/2018 | 12/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376727 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | The Fraud Report reflects an application date of 10/XX/2018, disclosure not provided within 3 business days of application. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376728 | compliance | 2 | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/10/XX/2018) | The Fraud Report reflects an application date of 10/XX/2018, disclosure not provided within 3 business days of application. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | Yes | 11/XX/2018 | 12/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376729 | credit | 1 | Asset documentation requirements not met. |  | File is missing required bank statements as required by lender guides to support required reserves. |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Exception cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376730 | credit | 1 | Income documentation requirements not met. |  | File is missing required income documents as listed in lender guides. |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Exception cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376731 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | File is missing critical documentation to complete DD review: credit report, current paystubs, most recent 2 years W2's, bank statements, award letter and 4506's. |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Exception cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376732 | credit | 1 | AUS/Guideline Findings: All conditions were not met |  | File is missing critical documentation to complete DD review: credit report, current paystubs, most recent 2 years W2's, bank statements, award letter and 4506's. |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Exception cleared. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376733 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | File is missing a fully executed initial application |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376734 | compliance | 1 | General Ability To Repay Provision Investor Guidelines Do Not Address 8 ATR Factors | Ability to Repay (Dodd-Frank 2014): Guidelines provided do not address all 8 factors of ATR. | Failure due to missing income and asset documentation and the subject note. |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: All missing income and asset documentation has been received. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376735 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Failure due to missing income and asset documentation and subject note. |  |  | Yes | 11/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/13: Credit report received |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376737 | compliance | 1 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA | Yes | 11/XX/2018 | 12/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 8/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/02: Final CD was provided. |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376738 | compliance | 2 | TRID Final Closing Disclosure AIR Table Minimum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 11/XX/2018 disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (Final/11/XX/2018) | Page 4 shows minimum rate of 2.25%, loan rate is 4.50%. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. | Yes | 11/XX/2018 | 12/XX/2019 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376739 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2211341) | Page 1 shows minimum payment of $XXX and calculated payment is $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | 11/XX/2018 | 12/XX/2021 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX | 29376740 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2211342) | Page 1 shows minimum payment of $XXX and calculated payment is $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. | Yes | 11/XX/2018 | 12/XX/2021 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450002 | Upsize | XXX | XXX | XXX | 29376900 | credit | 3 | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: 09/XX/2018 | The loan file does not contain evidence the Condo is warrantable. |  |  |  | 10/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> C | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450002 | Upsize | XXX | XXX | XXX | 29376901 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date |  |  |  | 10/XX/2018 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452450759 | Upsize | XXX | XXX | XXX | 29377060 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  | The initial 1003 was not signed by the borrower. |  |  |  | 10/XX/2014 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX | 29377061 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Property was not in FEMA Disaster at the time of closing thus it not reported. |  |  |  | 10/XX/2014 |  | CA | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2023 | 6/XX/2023 |  | Yes |  |  | Non QM |  | 2023/XX/01: BPO provided. No damage noted. Cleared. |
| 6452450759 | Upsize | XXX | XXX | XXX | 29377062 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2014) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 10/XX/2014 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX | 29377063 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2014 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX | 29377064 | compliance | 2 | TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application | Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | Initial TIL was not sent within three (3) business days of the creditor application date. No TIL available within the 3 days of application date |  | TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2014 | 10/XX/2015 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX | 29377065 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2014 | 10/XX/2015 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX | 29377066 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 10/XX/2014 | 10/XX/2015 | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX | 29377067 | compliance | 2 | RESPA - Initial GFE Not Provided Within 3 Business Days of Application | RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. | Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2014 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX | 29377068 | compliance | 2 | RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application | RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 10/XX/2014 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX | 29377069 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  | There is generally no Assignee Liability. |  | 10/XX/2014 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2023 |  |  |  |  |  | Non QM |  |  |
| 6452450762 | Upsize | XXX | XXX | XXX | 31520391 | compliance | 2 | New York Late Charge Percent Testing | New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%. | Note late charge percent of 5.00000% exceeds the state maximum of 2% |  |  |  | 2/XX/2020 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450762 | Upsize | XXX | XXX | XXX | 31520392 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Zero percent tolerance fee exceeded for Transfer Tax Fee. Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. The file does not contain a valid COC for this fee, nor a cure. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2020 | 2/XX/2021 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449704 | Upsize | XXX | XXX | XXX | 31454214 | compliance | 2 | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2022 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 12/XX/2022). (Final/12/XX/2022) | The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 12/XX/2022). (Final/12/XX/2022) |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2022 | 12/XX/2023 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449704 | Upsize | XXX | XXX | XXX | 31454215 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2022 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2022). (Final/12/XX/2022) | The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2022). (Final/12/XX/2022) |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2022 | 12/XX/2023 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449704 | Upsize | XXX | XXX | XXX | 31454217 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Recording fee was increased on 08/XX/2022 Loan Estimate and again on 12/XX/2022 CD with no valid change evident. |  |  |  | 12/XX/2022 | 12/XX/2023 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449704 | Upsize | XXX | XXX | XXX | 31454219 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Valid cure document or Change of circumstance not provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2022 | 12/XX/2023 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449704 | Upsize | XXX | XXX | XXX | 31454220 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77159) | Valid cure document or Change of circumstance not provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2022 | 12/XX/2023 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449704 | Upsize | XXX | XXX | XXX | 31467969 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2022) |  |  |  |  | 12/XX/2022 |  | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449925 | Upsize | XXX | XXX | XXX | 31464073 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/XX/2022) | Closing Disclosure not provided to Borrower within three business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2022 | 3/XX/2023 | IL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451183 | Upsize | XXX | XXX | XXX | 31452413 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | 5/XX/2023 |  | NY | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451183 | Upsize | XXX | XXX | XXX | 31454010 | property | 3 | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2023 | The initial appraisal was completed prior to the license expiration date. There was no change in value from the initial to the final appraisal. |  |  |  | 5/XX/2023 |  | NY | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451183 | Upsize | XXX | XXX | XXX | 31454254 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2023) |  |  |  |  | 5/XX/2023 |  | NY | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451183 | Upsize | XXX | XXX | XXX | 31454255 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:5048/01/XX/2023) |  |  |  |  | 5/XX/2023 |  | NY | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451183 | Upsize | XXX | XXX | XXX | 31454271 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | No valid COC provided, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | NY | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451183 | Upsize | XXX | XXX | XXX | 31454272 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7308) | No valid COC provided, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | NY | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451183 | Upsize | XXX | XXX | XXX | 31454273 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | No valid COC provided, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | NY | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449065 | Upsize | XXX | XXX | XXX | 31458628 | credit | 3 | Missing Document: Fraud Report not provided |  |  |  |  |  | 10/XX/2019 |  | MA | Purchase | Primary | Yes<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449065 | Upsize | XXX | XXX | XXX | 31458888 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/04/XX/2019) |  |  | There is generally no Assignee Liability. |  | 10/XX/2019 |  | MA | Purchase | Primary | Yes<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449065 | Upsize | XXX | XXX | XXX | 31458891 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance of $XXX exceeds tolerance allowed of $XXX plus 10%. No valid change of circumstance nor cure was provided to the borrower. |  |  |  | 10/XX/2019 | 10/XX/2020 | MA | Purchase | Primary | Yes<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451242 | Upsize | XXX | XXX | XXX | 31466065 | credit | 1 | Missing Document: AUS not provided |  | AUS is missing |  |  |  | 5/XX/2023 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2024/XX/10: Exception cleared. Final AUS submission has been provided. |
| 6452451242 | Upsize | XXX | XXX | XXX | 31466098 | compliance | 1 | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) | Failure due to AUS missing and agency salable being No. |  |  |  | 5/XX/2023 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: 9/3-Loan approved under digital refinance program. AUS verifies and no documentation required. However WVOE in file. XXX<br>2024/XX/06: 9/6-LPA findings. XXX | 2024/XX/05: Unable to determine loan requirements due to missing final LP findings.<br>2024/XX/10: Exception cleared. Final AUS submission was provided. |
| 6452451242 | Upsize | XXX | XXX | XXX | 31466102 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Failure due to Aus missing and agency salable being No. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2023 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: 9/3-Loan approved under digital refinance program. AUS verifies and no documentation required. However WVOE in file. XXX<br>2024/XX/06: 9/6--Appeal: Re-uploading LP findings. XXX | 2024/XX/05: Unable to determine loan requirements due to missing final LP findings.<br>2024/XX/10: Exception cleared. Final AUS submission was provided. |
| 6452451242 | Upsize | XXX | XXX | XXX | 31466103 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $XXX on Loan Estimate but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451242 | Upsize | XXX | XXX | XXX | 31515292 | credit | 1 | AUS/Guideline Findings: All conditions were not met |  | Aus is missing. |  |  |  | 5/XX/2023 |  | CA | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2024/XX/10: Exception cleared. Final AUS submission has been provided. |
| 6452449581 | Upsize | XXX | XXX | XXX | 31493926 | credit | 3 | FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application. | Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents) | FHA - Informed Consumer Choice Disclosure not provided to borrower within 3 business days of the loan application. Document was signed on 03/XX/2022. |  |  |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31493958 | credit | 3 | Missing Document: Purchase Agreement / Sales Contract not provided |  |  |  |  |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> D | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31493979 | credit | 2 | FHA - Real Estate Certification was provided at or after closing. | Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: 06/XX/2024; Consummation Date: 09/XX/2022 | FHA - Real Estate Certification is not provided in the file |  |  |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31494070 | credit | 3 | Missing Document: Verification of Identification not provided |  | Loan was originated as FHA. A required Verification of Identification document was not provided. |  |  |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31494076 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2022) | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. A signed and dated appraisal delivery waiver was not provided. |  |  |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31494079 | compliance | 2 | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  | The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned.<br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31494080 | compliance | 2 | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Right Not To Close Disclosure was not provided. |  | "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned.<br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure." |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31494083 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. No valid changed circumstance was provided.<br> Insufficient cure provided for all closing costs above the legal limit. |  |  |  | 9/XX/2022 | 9/XX/2023 | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31494084 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) | Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31494085 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7591) | Mortgage Insurance Premium. Fee Amount of $XXX exceeds tolerance of $XXX.No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31494165 | credit | 2 | Loan has been identified as FHA/VA/USDA | Mortgage Type: FHA |  |  |  |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31501453 | credit | 2 | FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date. | Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) |  |  |  |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31501477 | credit | 3 | Important Notice to Homebuyer (92900-B) is missing. | Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents) |  |  |  |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX | 31501523 | credit | 3 | FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant. | Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents) | FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents): FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant. To be compliant, borrower(s) signature(s) MUST be on both Part IV and Part V of Page 2, along with a signature on Page 4. The DE Signature and CHUMS ID is required for a Manual Underwrite. The lender MUST sign page 1 and 4. |  |  |  | 9/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452450649 | Upsize | XXX | XXX | XXX | 31493487 | credit | 3 | Income Docs Missing: | Borrower: XXX 1065 (2020), K-1 (2020) | K-1 document and 1065 not provided for XXX. |  |  |  | 11/XX/2021 |  | NY | Purchase | Second Home | No<br> C | 8/XX/2024 |  |  |  |  |  | Non QM |  |  |
| 6452450649 | Upsize | XXX | XXX | XXX | 31493488 | compliance | 1 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) | 1120S and Schedule K1 missing for XXX. |  |  |  | 11/XX/2021 |  | NY | Purchase | Second Home | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Non QM |  | 2024/XX/17: Designation has been restated. |
| 6452450649 | Upsize | XXX | XXX | XXX | 31493489 | compliance | 1 | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) | 1120S and Schedule K1 missing for XXX. |  |  |  | 11/XX/2021 |  | NY | Purchase | Second Home | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Non QM |  | 2024/XX/17: Designation has been restated. |
| 6452450649 | Upsize | XXX | XXX | XXX | 31493491 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | 1120S and Schedule K1 missing for XXX which caused the loan test as Non QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2021 |  | NY | Purchase | Second Home | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Non QM |  | 2024/XX/17: Designation has been restated. |
| 6452450649 | Upsize | XXX | XXX | XXX | 31493492 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Loan is waterfalling due to missing income documents for the self employed income. |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 11/XX/2021 |  | NY | Purchase | Second Home | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Non QM |  | 2024/XX/17: Designation has been restated. |
| 6452450649 | Upsize | XXX | XXX | XXX | 31493496 | compliance | 2 | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/09/XX/2021) | Loan Estimate not delivered or placed in the mail to Borrower within three business days of application. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2021 | 11/XX/2022 | NY | Purchase | Second Home | No<br> B | 8/XX/2024 |  |  |  |  |  | Non QM |  |  |
| 6452450649 | Upsize | XXX | XXX | XXX | 31667528 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Designation has been restated. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2021 |  | NY | Purchase | Second Home | No<br> B<br> A | 9/XX/2024 |  |  |  |  |  | Non QM |  |  |
| 6452449874 | Upsize | XXX | XXX | XXX | 31465142 | compliance | 2 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2021 |  | CA | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449874 | Upsize | XXX | XXX | XXX | 31465143 | compliance | 2 | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) | 0% tolerance was exceeded by -$XXX due to Increase of Lender Credits. No valid COC provided, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449874 | Upsize | XXX | XXX | XXX | 31465144 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | 0% tolerance was exceeded by $XXX due to Increase of Loan Discount Points. No valid COC provided, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | CA | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449965 | Upsize | XXX | XXX | XXX | 31492632 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Missing Facta Disclosure. |  | There is no Assignee Liability. |  | 1/XX/2022 |  | OR | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449965 | Upsize | XXX | XXX | XXX | 31505379 | compliance | 2 | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/01/XX/2022) |  |  |  |  | 1/XX/2022 |  | OR | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450866 | Upsize | XXX | XXX | XXX | 31466295 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2021) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 10/XX/2021 |  | CA | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452449400 | Upsize | XXX | XXX | XXX | 31469799 | credit | 3 | REO Documents are missing. | Address: XXX, WA HOA Verification, Insurance Verification, Statement, Tax Verification |  |  |  |  | 10/XX/2021 |  | WA | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449400 | Upsize | XXX | XXX | XXX | 31469866 | credit | 3 | 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information. | Borrower: XXX |  |  |  |  | 10/XX/2021 |  | WA | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449400 | Upsize | XXX | XXX | XXX | 31469873 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2021) |  |  |  |  | 10/XX/2021 |  | WA | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449400 | Upsize | XXX | XXX | XXX | 31469885 | credit | 3 | Tax Return end date is more than 90 days prior to note date. P&L was not found in file. (GSE COVID-19) | Borrower: XXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: 01/XX/2019 Note Date: 10/XX/2021;<br> Calendar End Date: 12/XX/2020; |  |  |  |  | 10/XX/2021 |  | WA | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449400 | Upsize | XXX | XXX | XXX | 31515155 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation mismatch due to COVID overlay Guidelines regarding missing 2021 YTD P&L. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 10/XX/2021 |  | WA | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/04: 9/XX/24 - Appeal: see page 335 D 0201 of the file in Clarity the P&L Statement for 2021…eg | 2024/XX/06: Exception cleared. |
| 6452449400 | Upsize | XXX | XXX | XXX | 31515156 | compliance | 1 | Income/Asset Guideline Deficiency - QM Impact | General QM: There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | File is missing 2021 YTD P&L required by the COVID overlays Guidelines. |  |  |  | 10/XX/2021 |  | WA | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/04: 9/XX/24 - Appeal: see page 335 D 0201 of the file in Clarity the P&L Statement for 2021…eg | 2024/XX/06: Exception cleared. |
| 6452449400 | Upsize | XXX | XXX | XXX | 31515158 | credit | 1 | Income documentation requirements not met. |  | File is missing 2021 YTD P&L required by the COVID overlays Guidelines. |  |  |  | 10/XX/2021 |  | WA | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2024/XX/06: Exception cleared. |
| 6452449400 | Upsize | XXX | XXX | XXX | 31515160 | compliance | 1 | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | File is missing 2021 YTD P&L required by the COVID overlays Guidelines. |  |  |  | 10/XX/2021 |  | WA | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/04: 9/XX/24 - Appeal: see page 335 D 0201 of the file in Clarity the P&L Statement for 2021…eg | 2024/XX/06: Exception cleared. |
| 6452450220 | Upsize | XXX | XXX | XXX | 31471447 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Credit Score Disclosure was not provided. |  | There is no Assignee Liability. |  | 4/XX/2022 |  | AZ | Purchase | Second Home | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450220 | Upsize | XXX | XXX | XXX | 31471448 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | The DTI exceeds AUS maximum allowable. The AUS reflects omitted debts, but evidence to support the omissions was not provided. Including the debts in the DTI calculation brings the DTI to 73.77% and out of tolerance. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 4/XX/2022 |  | AZ | Purchase | Second Home | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: 9/XX/2024: Appeal. Please refer to Clarity for evidence or payoff &/or 0 balance statements of the following debts doc # 0550 (XXX), Doc # 0534 (XXX), Doc # 0240 (XXX), Doc # 0545 (XXX), Doc # 0054 (XXX). XXX<br>2024/XX/06: 9/XX/2024: Appeal. Please see attached LP AUS approval with 48% Total DTI. XXX | 2024/XX/05: The final LP findings appear to be missing. The LP findings reflect a DTI of 13%, but the 1008 reflects a DTI of 48.44% which is inline with the calculated DTI of 48.89%(after the omitted debt payments).<br>2024/XX/09: Difference in DTI Ratio due to HOA amount. As per Appraisal document monthly HOA amount is $XXX. HOA amount as per Final 1003, provided AUS and 1008 state $XXX. Please provide updated AUS and supporting documents for HOA which has HOA amount of $XXX if any. Calculated DTI is 48.44 and provided AUS reflects DTI is 48.00 %. Exception remains.<br>2024/XX/09: Small DTI variance within acceptable tolerance. |
| 6452450220 | Upsize | XXX | XXX | XXX | 31471449 | compliance | 1 | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 48.89450% significantly exceeds the guideline maximum of 16.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The DTI exceeds AUS maximum allowable. The AUS reflects omitted debts, but evidence to support the omissions was not provided. Including the debts in the DTI calculation brings the DTI to 73.77% and out of tolerance. |  |  |  | 4/XX/2022 |  | AZ | Purchase | Second Home | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: 9/XX/2024: Appeal. Please refer to Clarity for evidence or payoff &/or 0 balance statements of the following debts doc # 0550 (XXX), Doc # 0534 (XXX), Doc # 0240 (XXX), Doc # 0545 (XXX), Doc # 0054 (XXX). XXX<br>2024/XX/06: 9/XX/2024: Appeal. Please see attached LP AUS approval with 48% Total DTI. XXX | 2024/XX/05: The final LP findings appear to be missing. The LP findings reflect a DTI of 13%, but the 1008 reflects a DTI of 48.44% which is inline with the calculated DTI of 48.89%(after the omitted debt payments).<br>2024/XX/05: EXCEPTION HISTORY - Exception Detail was updated on 09/XX/2024 PRIOR Exception Detail: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 73.77116% significantly exceeds the guideline maximum of 16.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br>2024/XX/09: Difference in DTI Ratio due to HOA amount. As per Appraisal document monthly HOA amount is $XXX. HOA amount as per Final 1003, provided AUS and 1008 state $XXX. Please provide updated AUS and supporting documents for HOA which has HOA amount of $XXX if any. Calculated DTI is 48.44 and provided AUS reflects DTI is 48.00 %. Exception remains.<br>2024/XX/09: AUS (LP) received. DTI updated as per received AUS. Exception cleared |
| 6452450220 | Upsize | XXX | XXX | XXX | 31471457 | compliance | 2 | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/04/XX/2022) | Loan Estimate not delivered or placed in the mail to Borrower within three business days of application. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2022 | 4/XX/2023 | AZ | Purchase | Second Home | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450220 | Upsize | XXX | XXX | XXX | 31471513 | credit | 1 | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 48.89450% exceeds AUS total debt ratio of 48.00000%. | The DTI exceeds AUS maximum allowable. The AUS reflects omitted debts, but evidence to support the omissions was not provided. Including the debts in the DTI calculation brings the DTI to 73.77% and out of tolerance. |  |  |  | 4/XX/2022 |  | AZ | Purchase | Second Home | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/06: 9/XX/2024: Appeal. Please see attached LP AUS approval with 48% Total DTI. LL | 2024/XX/05: EXCEPTION HISTORY - Exception Explanation was updated on 09/XX/2024 PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 73.77116% exceeds AUS total debt ratio of 13.00000%.<br>2024/XX/09: Difference in DTI Ratio due to HOA amount. As per Appraisal document monthly HOA amount is $XXX. HOA amount as per Final 1003, provided AUS and 1008 state $XXX. Please provide updated AUS and supporting documents for HOA which has HOA amount of $XXX if any. Calculated DTI is 48.44 and provided AUS reflects DTI is 48.00 %. Exception remains.<br>2024/XX/09: EXCEPTION HISTORY - Exception Explanation was updated on 09/XX/2024 PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of 48.89450% exceeds AUS total debt ratio of 13.00000%.<br>2024/XX/09: Small DTI variance within acceptable tolerance. |
| 6452450220 | Upsize | XXX | XXX | XXX | 31471531 | compliance | 1 | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | The DTI exceeds AUS maximum allowable. The AUS reflects omitted debts, but evidence to support the omissions was not provided. Including the debts in the DTI calculation brings the DTI to 73.77% and out of tolerance. Additionally, the final AUS appears to be missing. The DTI on the AUS does not match the 1008. |  |  |  | 4/XX/2022 |  | AZ | Purchase | Second Home | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: 9/XX/2024: Appeal. Please refer to Clarity for evidence or payoff &/or 0 balance statements of the following debts doc # 0550 (XXX), Doc # 0534 (XXX), Doc # 0240 (XXX), Doc # 0545 (XXX), Doc # 0054 (XXX). XXX<br>2024/XX/03: 9/XX/2024: Appeal. Please refer to Clarity for evidence or payoff &/or 0 balance statements of the following debts doc # 0550 (XXX), Doc # 0534 (XXX), Doc # 0240 (XXX), Doc # 0545 (XXX), Doc # 0054 (XXX). AUS final approval in Clarity Doc #D 427. There was a print display issue on the LP approval related to the housing DTI and total DTI around the time that these loans were originated. Using the information on the LP approval: proposed housing = $XXX, Total income = $XXX Total monthly debt = $XXX will result in DTI of 12.968/48.444%, matching the Uniform Underwriting and transmittal summary in Clarity doc #D 0410. - LL<br>2024/XX/06: 9/XX/2024: Appeal. Please see attached LP AUS approval with 48% Total DTI. XXX | 2024/XX/05: The final LP findings appear to be missing. The LP findings reflect a DTI of 13%, but the 1008 reflects a DTI of 48.44% which is inline with the calculated DTI of 48.89%(after the omitted debt payments).<br>2024/XX/09: Difference in DTI Ratio due to HOA amount. As per Appraisal document monthly HOA amount is $XXX. HOA amount as per Final 1003, provided AUS and 1008 state $XXX. Please provide updated AUS and supporting documents for HOA which has HOA amount of $XXX if any. Calculated DTI is 48.44 and provided AUS reflects DTI is 48.00 %. Exception remains.<br>2024/XX/09: Small DTI variance within acceptable tolerance. |
| 6452450220 | Upsize | XXX | XXX | XXX | 31498880 | credit | 1 | AUS/Guideline Findings: All conditions were not met |  | The DTI exceeds AUS maximum allowable. The AUS reflects omitted debts, but evidence to support the omissions was not provided. Including the debts in the DTI calculation brings the DTI to 73.77% and out of tolerance. Additionally, the final AUS appears to be missing. The DTI on the AUS does not match the 1008. |  |  |  | 4/XX/2022 |  | AZ | Purchase | Second Home | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/06: 9/XX/2024: Appeal. Please see attached LP AUS approval with 48% Total DTI. LL | 2024/XX/05: The final LP findings appear to be missing. The LP findings reflect a DTI of 13%, but the 1008 reflects a DTI of 48.44% which is inline with the calculated DTI of 48.89%(after the omitted debt payments).<br>2024/XX/09: Difference in DTI Ratio due to HOA amount. As per Appraisal document monthly HOA amount is $XXX. HOA amount as per Final 1003, provided AUS and 1008 state $XXX. Please provide updated AUS and supporting documents for HOA which has HOA amount of $XXX if any. Calculated DTI is 48.44 and provided AUS reflects DTI is 48.00 %. Exception remains.<br>2024/XX/09: Small DTI variance within acceptable tolerance. |
| 6452450220 | Upsize | XXX | XXX | XXX | 31609705 | compliance | 1 | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 48.89450% moderately exceeds the guideline maximum of 48.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Discrepancy in DTI due to HOA amount . As per final 1003, AUS and 1008 hoa amount is different than appraisal documents. |  |  |  | 4/XX/2022 |  | AZ | Purchase | Second Home | No<br> A | 9/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2024/XX/09: EXCEPTION HISTORY - Exception Detail was updated on 09/XX/2024 PRIOR Exception Detail: General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 48.89450% moderately exceeds the guideline maximum of 48.44%. (DTI Exception is eligible to be regraded with compensating factors.)<br>2024/XX/09: Small DTI variance within acceptable tolerance. |
| 6452449883 | Upsize | XXX | XXX | XXX | 31466665 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 6/XX/2022 |  | NY | Refinance - Cash-out - Other | Investment | No<br> B | 8/XX/2024 |  |  |  |  |  | N/A |  |  |
| 6452449042 | Upsize | XXX | XXX | XXX | 31464351 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2021) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 5/XX/2021 |  | PA | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449042 | Upsize | XXX | XXX | XXX | 31464355 | compliance | 2 | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure 05/XX/2021 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/05/XX/2021) | Final Closing Disclosure 05/XX/2021 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2 |  |  |  | 5/XX/2021 | 5/XX/2022 | PA | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449042 | Upsize | XXX | XXX | XXX | 31516089 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | 5/XX/2021 |  | PA | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450802 | Upsize | XXX | XXX | XXX | 31468812 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation discrepancy due to Points and Fees on subject loan is in excess of the allowable maximum. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2022 |  | NC | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Non QM | 2024/XX/16: Wish to re-state lender designation to NonQM. | 2024/XX/16: Designation has been restated. |
| 6452450802 | Upsize | XXX | XXX | XXX | 31468813 | compliance | 1 | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.04726% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .04726%). | Points and Fees on subject loan of 3.04726% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX |  |  |  | 5/XX/2022 |  | NC | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Non QM | 2024/XX/05: Appeal: Per LAS bona fide testing, which tested using the lenders Compliance Ease Undiscounted Rate, provides for a .125% rate reduction. Please advise threshold used or why bona fide exclusion was not applied to QM testing. | 2024/XX/11: The compliance report in file includes an undiscounted rate of 5.625% but is missing the undiscounted rate price. Please provide the undiscounted rate price, which is the amount of points that the borrower would have paid for the undiscounted rate of 5.625%.<br>2024/XX/16: Designation has been restated. |
| 6452450802 | Upsize | XXX | XXX | XXX | 31468814 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed circumstance was provided. No cure was provided to the Borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2022 | 5/XX/2023 | NC | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Non QM |  |  |
| 6452450802 | Upsize | XXX | XXX | XXX | 31663354 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Designation has been restated. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2022 |  | NC | Refinance - Cash-out - Other | Primary | No<br> B<br> A | 9/XX/2024 |  |  |  |  |  | Non QM |  |  |
| 6452449622 | Upsize | XXX | XXX | XXX | 31467176 | compliance | 1 | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.90558% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or .90558%). | Points and Fees on subject loan of 3.90558 is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs an allowable total of $XXX, an overage of $XXX or .90558%. Compliance Report in file reflect a Pass for Points and Fees. |  |  |  | 10/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Non QM | 2024/XX/05: Please see undiscounted rate on Mavent report in file (D0113- page 4 of 25). Rate reduction of > .125%. Please advise threshold used or why excluded points were not applied to QM testing. | 2024/XX/11: The bona fide discount point exclusion looks like this:<br> Undiscounted Starting Rate – 3.625%<br> Note Rate – 3.125%<br> Loan Discounts (page 2 of CD) – 2.75%<br> Undiscounted Starting Rate Price – 0.125%<br> 3.625 - 3.125 = 0.5<br> 2.75 – 0.125 = 2.625<br> 0.5 / 2.625 = 0.19 does not meet deal setting of 0.25 to be considered bona fide and therefore excludable.<br>2024/XX/16: Designation has been restated. |
| 6452449622 | Upsize | XXX | XXX | XXX | 31467177 | compliance | 2 | TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on 10/XX/2021 are underdisclosed. (Final/10/XX/2021) | Non- Escrowed Property Cost over Year 1 on Final Closing Disclosure provided on 10/XX/2021 are under disclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Non QM |  |  |
| 6452449622 | Upsize | XXX | XXX | XXX | 31467179 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) updated from guidelines. Loan DEIGNATION discrepancy due to Points and Fees over by .09558% |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 10/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Non QM | 2024/XX/16: Wish to re-state lender designation to NonQM. | 2024/XX/16: Designation has been restated. |
| 6452449622 | Upsize | XXX | XXX | XXX | 31663343 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Designation has been restated. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 10/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B<br> A | 9/XX/2024 |  |  |  |  |  | Non QM |  |  |
| 6452450229 | Upsize | XXX | XXX | XXX | 31469808 | compliance | 2 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | 8/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450229 | Upsize | XXX | XXX | XXX | 31470190 | credit | 3 | REO Documents are missing. | Address: XXX, IL HOA Verification |  |  |  |  | 8/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450229 | Upsize | XXX | XXX | XXX | 31470535 | compliance | 2 | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) | No valid COC provided, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449428 | Upsize | XXX | XXX | XXX | 31466939 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 11/XX/2021 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449428 | Upsize | XXX | XXX | XXX | 31516296 | credit | 3 | Un-audited P&L Statement provided. Average monthly deposits on the business Account statements do not support the average monthly income on the YTD P&L Statement. (GSE COVID-19) | Borrower: XXX // Employment Type: Employment / Income Type: S-Corp (>= 25%) / Start Date: 06/XX/2018 |  |  |  |  | 11/XX/2021 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450947 | Upsize | XXX | XXX | XXX | 31492069 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  | There is no Assignee Liability. |  | 10/XX/2021 |  | WI | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450860 | Upsize | XXX | XXX | XXX | 31492201 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Set Date is missing. |  |  |  | 5/XX/2022 |  | IL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452450860 | Upsize | XXX | XXX | XXX | 31492202 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) | Appraisal Re- Inspection Fee increased from $XXX to $XXX, an increase of $XXX, without a Changed Circumstance form in file. A cure of $XXX was provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2022 | 5/XX/2023 | IL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452450860 | Upsize | XXX | XXX | XXX | 31492212 | credit | 2 | Loan has been identified as FHA/VA/USDA | Mortgage Type: FHA | Mortgage Type is FHA documentation in file |  |  |  | 5/XX/2022 |  | IL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452449611 | Upsize | XXX | XXX | XXX | 31492519 | credit | 3 | Missing Document: AUS not provided |  | File is missing final AUS; final 1008 showing AUS approved was used for review. |  |  |  | 1/XX/2022 |  | IL | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449611 | Upsize | XXX | XXX | XXX | 31492521 | credit | 3 | AUS/Guideline Findings: All conditions were not met |  | AUS is missing in file. |  |  |  | 1/XX/2022 |  | IL | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449611 | Upsize | XXX | XXX | XXX | 31492535 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Zero percent tolerance Loan Discount Points Fee disclosed as $XXX on Loan Estimate dated 10/XX/2021 but disclosed as $XXX on Final Closing Disclosure. A valid COC nor cure were not provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | IL | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493081 | credit | 3 | FHA MIP Error (Non-Borrower Paid): | Date Issued: 03/XX/2022 Calculated FHA upfront premium of $XXX does not match the mortgage insurance premium collected on the Closing Disclosure of . |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493083 | credit | 3 | Real Estate Certification is missing. | Disclosure: FHA - Real Estate Certification (Government Documents) |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493085 | credit | 3 | Lead Based Paint Attachment - Attached to Purchase Contract is missing. | Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents) | Lead Based Paint attachment not provided |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493088 | credit | 3 | CAIVRS Authorization is missing. | Disclosure: CAIVRS Authorization (Government Documents) | CAIVRS Authorization not provided |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493091 | credit | 2 | Loan has been identified as FHA/VA/USDA | Mortgage Type: FHA |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493094 | property | 3 | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2022 |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493099 | compliance | 2 | Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured |  |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493133 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/02/XX/2022) | Acopy of each valuation to applicant three (3) business days prior to consummation |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493134 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:5228/01/XX/2022) | A copy of each valuation to applicant three (3) business days prior to consummation |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493135 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | ACTA Credit Score Disclosure not provided |  | There is no Assignee Liability. |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493136 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | List of Homeownership Counseling Organizations to borrower not provided |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493137 | compliance | 2 | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan Information Document not provided |  | The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned.<br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493138 | compliance | 2 | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Right Not To Close Disclosure not provided |  | "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned.<br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure." |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493140 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75174) | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2022 | 3/XX/2023 | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493141 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2022 | 3/XX/2023 | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493142 | compliance | 3 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Subject loan is not eligible to be insured or guaranteed by FHA. |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493143 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM (43-Q). | Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493146 | credit | 3 | Guideline Requirement: Combined High loan to value discrepancy. | Calculated high loan to value percentage of 98.18778% exceeds Guideline high loan to value percentage of 95.00000% |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493147 | credit | 3 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 98.18778% exceeds Guideline loan to value percentage of 95.00000%. |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493148 | credit | 3 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 98.18778% exceeds Guideline combined loan to value percentage of 95.00000%. |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493149 | credit | 3 | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.29 is less than Guideline PITIA months reserves of 6.00. |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493150 | credit | 3 | Recent sale within 90 days is not eligible per FHA guidelines. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2022 Last Sale Date: 11/XX/2021; Case Number Assignment Date: 01/XX/2022 |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX | 31493151 | credit | 3 | Recent sale within 90 days is not eligible per FHA guidelines. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2022 Last Sale Date: 11/XX/2021; Case Number Assignment Date: 01/XX/2022 |  |  |  |  | 3/XX/2022 |  | OH | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (43-Q) |  |  |
| 6452450440 | Upsize | XXX | XXX | XXX | 31470948 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/10/XX/2021) | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | IL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450240 | Upsize | XXX | XXX | XXX | 31468301 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. |  |  | There is generally no Assignee Liability. |  | 7/XX/2022 |  | IL | Purchase | Investment | No<br> B | 8/XX/2024 |  |  |  |  |  | N/A |  |  |
| 6452450240 | Upsize | XXX | XXX | XXX | 31468302 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 7/XX/2022 |  | IL | Purchase | Investment | No<br> B | 8/XX/2024 |  |  |  |  |  | N/A |  |  |
| 6452450240 | Upsize | XXX | XXX | XXX | 31517747 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2022) | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  |  | 7/XX/2022 |  | IL | Purchase | Investment | No<br> B | 8/XX/2024 |  |  |  |  |  | N/A |  |  |
| 6452449394 | Upsize | XXX | XXX | XXX | 31492954 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Waterfall due income asset documents are not provided in file |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 9/XX/2020 |  | CO | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM | 2024/XX/05: 9.5.24 Appeal attached final uw approval,XXX, income + assets in AMC pages 406-416 of 1265 D-0165 XXX partnership TR 2019 -1065, pages 417-437 of 1265 D-0179 XXX partnership TR 2018 -1065 kindly review,recind, advise, thank you gs. please see uploads | 2024/XX/05: Exception cleared. Documentation provided that Borrower's were removed from Rue Residential. |
| 6452449394 | Upsize | XXX | XXX | XXX | 31492956 | compliance | 1 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) | Third Party Verification on Partnership is missing from the loan file. |  |  |  | 9/XX/2020 |  | CO | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM | 2024/XX/05: 9.5.24 Appeal attached final uw approval, XXX, income + assets in AMC pages 406-416 of 1265 D-0165 XXX partnership TR 2019 -1065, pages 417-437 of 1265 D-0179 XXX partnership TR 2018 -1065 kindly review,recind,advise, thank you gs. | 2024/XX/05: Exception cleared. Documentation provided that Borrower's were removed from Rue Residential. |
| 6452449394 | Upsize | XXX | XXX | XXX | 31492957 | compliance | 1 | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (XXX XXX/Partnership) | Third Party Verification on Partnership is missing from the loan file. |  |  |  | 9/XX/2020 |  | CO | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM | 2024/XX/05: 9.5.24 Appeal attached final uw approval,XXX, income + assets in AMC pages 406-416 of 1265 D-0165 XXX partnership TR 2019 -1065, pages 417-437 of 1265 D-0179 XXX partnership TR 2018 -1065 kindly review,recind, advise, thank you gs. p;easwe see uploads | 2024/XX/05: Exception cleared. Documentation provided that Borrower's were removed from Rue Residential. |
| 6452449159 | Upsize | XXX | XXX | XXX | 31492025 | credit | 3 | Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. | Borrower: XXX, Borrower: XXX | Employment Authorization, Resident Alien Card, Passport and VISA missing in loan file. |  |  |  | 12/XX/2020 |  | CA | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449159 | Upsize | XXX | XXX | XXX | 31492026 | credit | 3 | Missing Document: Verification of Non-US Citizen Status not provided |  | Employment Authorization, Resident Alien Card, Passport and VISA missing in loan file. |  |  |  | 12/XX/2020 |  | CA | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449070 | Upsize | XXX | XXX | XXX | 31493834 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Missing Facta Disclosure. |  | There is no Assignee Liability. |  | 3/XX/2021 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449672 | Upsize | XXX | XXX | XXX | 31492434 | credit | 3 | Missing Document: Fraud Report not provided |  | Fraud Report is missing. |  |  |  | 1/XX/2020 |  | NY | Refinance - Rate/Term | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449672 | Upsize | XXX | XXX | XXX | 31492499 | compliance | 2 | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 01/XX/2020 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Missing Initial Closing Disclosure. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2020 | 1/XX/2021 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449672 | Upsize | XXX | XXX | XXX | 31492500 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX. No Valid Change circumstance in file. |  |  |  | 1/XX/2020 | 1/XX/2021 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449672 | Upsize | XXX | XXX | XXX | 31492502 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Credit Report Fee on closing disclosure is $XXX and on loan estimate $XXX. No Valid Change circumstance in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2020 | 1/XX/2021 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449672 | Upsize | XXX | XXX | XXX | 31492503 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | RTC is missing. |  | TILA ROR - 3yrs for rescindable transactions. |  | 1/XX/2020 | 1/XX/2023 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449969 | Upsize | XXX | XXX | XXX | 31467294 | credit | 3 | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | No asset verification provided. Per final Closing Disclosure, funds from borrower are $XXX. Additionally, source of fees paid prior to closing ($XXX) are not verified. |  |  |  | 11/XX/2020 |  | CA | Refinance - Rate/Term | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449969 | Upsize | XXX | XXX | XXX | 31514926 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/11/XX/2020) | Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing is provided. |  | There is generally no Assignee Liability. |  | 11/XX/2020 |  | CA | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449448 | Upsize | XXX | XXX | XXX | 31469734 | credit | 3 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXX. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | 1/XX/2021 |  | NY | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449448 | Upsize | XXX | XXX | XXX | 31469794 | compliance | 2 | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2021 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 01/XX/2021). (Final/XX/20/2021) | Final Closing Disclosure reflects Amount Finance of $XXX but calculated Amount Finance of $XXX. Variance = $XXX. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2021 | 1/XX/2024 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449448 | Upsize | XXX | XXX | XXX | 31469795 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 01/XX/2021). (Final/XX/20/2021) | Final Closing Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX.Variance = -$XXX. Lender to provide corrected CD and copy of letter sent to borrower explaining changes. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2021 | 1/XX/2024 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449448 | Upsize | XXX | XXX | XXX | 31469796 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) |  |  |  | 1/XX/2021 | 1/XX/2022 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449448 | Upsize | XXX | XXX | XXX | 31469797 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $.00 on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2021 | 1/XX/2022 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449806 | Upsize | XXX | XXX | XXX | 31492208 | compliance | 2 | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2019) | The file is missing documentation verifying the borrowers received a copy of the appraisal within 3 business days of closing. |  |  |  | 11/XX/2019 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449806 | Upsize | XXX | XXX | XXX | 31492211 | compliance | 2 | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 11/XX/2019 not received by borrower at least four (4) business days prior to closing. (Interim/11/XX/2019) | Revised Loan Estimate provided on 11/XX/2019 not received by borrower within timeframe of 4 days. It was signed on 11/XX/2019. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2019 | 11/XX/2020 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450252 | Upsize | XXX | XXX | XXX | 31506887 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7326) | Fee amount disclosed in Final CD issued 1/XX/2020 with no valid Change of Circumstance evident. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2020 | 1/XX/2021 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450252 | Upsize | XXX | XXX | XXX | 31506904 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Recording fee amount increased in Final CD issued 1/XX/2020 with no valid Change of Circumstance evident. |  |  |  | 1/XX/2020 | 1/XX/2021 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450252 | Upsize | XXX | XXX | XXX | 31506942 | compliance | 2 | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 01/XX/2020 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Final CD issued 1/XX/2020 provided to and received by Borrower on 1/XX/2020 closing date. Revised CD issued 1/XX/2020 is incomplete. Closing Date is not disclosed. Sections of pages 1, 3, 4 and 5 are blank/incomplete. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2020 | 1/XX/2021 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449710 | Upsize | XXX | XXX | XXX | 31492371 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 1/XX/2020 |  | NY | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449710 | Upsize | XXX | XXX | XXX | 31499640 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | 1/XX/2020 | 1/XX/2021 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450614 | Upsize | XXX | XXX | XXX | 31491841 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 01/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/01/XX/2020) | Loan Estimate not delivered to Borrower within three business days of application. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2020 | 2/XX/2021 | CO | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450166 | Upsize | XXX | XXX | XXX | 31492537 | credit | 3 | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file. |  |  |  | 11/XX/2019 |  | NY | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Non QM |  |  |
| 6452450166 | Upsize | XXX | XXX | XXX | 31492573 | compliance | 3 | QM Points and Fees | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.30530% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.30530%). | Points and Fees on subject loan of 4.31292% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.31292%). |  |  |  | 11/XX/2019 |  | NY | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  | Yes |  | Non QM | 2024/XX/06: Appeal: See D0256 Mavent Report reflecting lenders undiscounted interest rate of 4.5%. Up to 2 Bona Fide discount points are excludable as each point reduced the rate by 0.2083% which exceeds the threshold to be considered bona fide. $XXX (or 2%) of the discount point fee is excludable. | 2024/XX/10: With the undiscounted rate of 4.5%, the points and fees are exceeded by $XXX. |
| 6452450166 | Upsize | XXX | XXX | XXX | 31499183 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. | Loan designation mismatch due to loan failing QM Points and Fees testing. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2019 |  | NY | Refinance - Cash-out - Other | Primary | No<br> C<br> B | 8/XX/2024 |  |  |  |  |  | Non QM |  |  |
| 6452450283 | Upsize | XXX | XXX | XXX | 31467967 | property | 3 | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: 02/XX/2021 |  |  |  |  | 5/XX/2021 |  | MA | Purchase | Primary | Yes<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449477 | Upsize | XXX | XXX | XXX | 31492286 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2019) | Initial Closing Disclosure not provided to Borrower at least three business days prior to closing.. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449477 | Upsize | XXX | XXX | XXX | 31492305 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed circumstance was provided.<br> Insufficient cure provided for all closing costs above the legal limit. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449477 | Upsize | XXX | XXX | XXX | 31503164 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7742) | Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | NY | Refinance - Cash-out - Other | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX | 31494916 | compliance | 2 | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/14070622) | The documentation entered for this income source lacks sufficient date/duration information to verify the 2 year history as required by Appendix Q. |  |  |  | 12/XX/2019 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX | 31494920 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Initial Rate Lock Date not provided. |  |  |  | 12/XX/2019 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX | 31494922 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. | Loan designation of Temporary SHQM does not match due to missing verbal verification of employment within 10 business days of the note date. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2019 |  | NY | Refinance - Rate/Term | Primary | No<br> C<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX | 31494923 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three business days of application. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2019 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX | 31494924 | compliance | 2 | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/08/XX/2019) | Application date is 08/XX/2019, earliest Loan Estimate in file is 08/XX/2019. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2019 | 12/XX/2020 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX | 31494925 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7552) | Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. A valid COC, nor cure were provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2019 | 12/XX/2020 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX | 31494929 | credit | 3 | The verification of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2017 | Missing verbal verification of employment within 10 business days of the note date. |  |  |  | 12/XX/2019 |  | NY | Refinance - Rate/Term | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX | 31499509 | credit | 3 | Income documentation requirements not met. |  | Missing verbal verification of employment within 10 business days of the note date. |  |  |  | 12/XX/2019 |  | NY | Refinance - Rate/Term | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX | 31535256 | credit | 3 | Income Docs Missing: | Borrower: XXX VVOE - Employment Only |  |  |  |  | 12/XX/2019 |  | NY | Refinance - Rate/Term | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX | 31535263 | compliance | 2 | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2019) |  |  |  |  | 12/XX/2019 |  | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM |  |  |
| 6452450427 | Upsize | XXX | XXX | XXX | 31492639 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/02/XX/2020) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2020 | 2/XX/2021 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450427 | Upsize | XXX | XXX | XXX | 31492640 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) |  |  |  | 2/XX/2020 | 2/XX/2021 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450089 | Upsize | XXX | XXX | XXX | 31493453 | credit | 3 | Missing Document: Fraud Report not provided |  | File is missing Fraud report |  |  |  | 2/XX/2020 |  | NV | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450089 | Upsize | XXX | XXX | XXX | 31493472 | credit | 3 | Missing Document: Bankruptcy Documents not provided |  | Bankruptcy Documents not provided. |  |  |  | 2/XX/2020 |  | NV | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450089 | Upsize | XXX | XXX | XXX | 31493473 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2020) | No evidence in file showing borrower receive copy of appraisal. |  |  |  | 2/XX/2020 |  | NV | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450089 | Upsize | XXX | XXX | XXX | 31493474 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate lock document not provided. |  |  |  | 2/XX/2020 |  | NV | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450089 | Upsize | XXX | XXX | XXX | 31493475 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2020 | 2/XX/2021 | NV | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450089 | Upsize | XXX | XXX | XXX | 31493476 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/01/XX/2020) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/01/XX/2020) |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2020 | 2/XX/2021 | NV | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450065 | Upsize | XXX | XXX | XXX | 31468764 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 3/XX/2020 |  | FL | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450667 | Upsize | XXX | XXX | XXX | 31493733 | compliance | 3 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). | Loan Designation is determined to be Temporary HPML. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2020 |  | CT | Purchase | Primary | No<br> C<br> B | 8/XX/2024 |  |  |  |  |  | Temporary HPQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31492394 | compliance | 2 | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 04/XX/2019 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Interim/04/XX/2019) | Date issued not completed on Closing Disclosure. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2022 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31492396 | compliance | 2 | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 04/XX/2019 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initial/04/XX/2019) | Date issued not completed on Closing Disclosure. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2022 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31492397 | compliance | 2 | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2019 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 04/XX/2019). (Final/04/XX/2019) | Finance Charge disclosed is $XXX. Calculated finance charge is $XXX Variance of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2022 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31492399 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 04/XX/2019). (Final/04/XX/2019) | Finance Charge disclosed is $XXX. Calculated finance charge is $XXX Variance of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2022 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31492400 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/04/XX/2019) | Proof of earlier delivery not found in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31492402 | compliance | 2 | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 04/XX/2019 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Proof of delivery not found in file. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31492403 | compliance | 2 | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) | Lender Credit was last disclosed as -$XXX on LE but disclosed as- $XXX on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31492405 | compliance | 2 | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/04/XX/2019) | Loan Estimate provided after the date of Closing Disclousre. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31492406 | compliance | 2 | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 04/XX/2019 not received by borrower at least four (4) business days prior to closing. (Interim/04/XX/2019) | Proof of receipt not in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31492407 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7527) | Service Charge Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2019 | 4/XX/2020 | NY | Refinance - Rate/Term | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451104 | Upsize | XXX | XXX | XXX | 31501649 | credit | 3 | Missing Document: Note - Subordinate Lien not provided |  |  |  |  |  | 4/XX/2019 |  | NY | Refinance - Rate/Term | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451130 | Upsize | XXX | XXX | XXX | 31494358 | compliance | 2 | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | 6/XX/2021 |  | GA | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX | 31492084 | credit | 3 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 9/XX/2019 |  | TX | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX | 31492160 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/08/XX/2019) | No evidence in file of when the borrower received a copy of the dated 08/XX/2019. |  | There is generally no Assignee Liability. |  | 9/XX/2019 |  | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX | 31492163 | compliance | 2 | TRID Final Closing Disclosure APR | TILA-RESPA Integrated Disclosure - Loan Calculations: apr of XX.XX% on final closing Disclosure provided on 09/XX/2019 is under-disclosed from the calculated APR of 4.04231% outside of 0.125% tolerance. (Final/09/XX/2019) | Loan Calculations: apr of XX.XX% on final closing Disclosure provided on 09/XX/2019 is under-disclosed from the calculated APR of 4.04231% outside of 0.125% tolerance. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2019 | 9/XX/2020 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX | 31492164 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 09/XX/2019). (Final/09/XX/2019) | Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 09/XX/2019). |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2019 | 9/XX/2020 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX | 31492165 | compliance | 2 | TRID Final Closing Disclosure Principal and Interest | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2019 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/09/XX/2019) | The interest rate on the Note does not match the interest rate on Final CD which increases the P&I and DTI. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2019 | 9/XX/2020 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX | 31492166 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2019 disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2545236) | P&I ($XXX) from Note document not matched with Final CD($XXX)<br> The interest rate on the Note does not match the interest rate on Final CD which increases the P&I and DTI. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2019 | 9/XX/2020 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX | 31492167 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2019 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2545235) | P&I ($XXX) from Note document not matched with Final CD($XXX) |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2019 | 9/XX/2020 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX | 31492168 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 09/XX/2019). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/09/XX/2019) | Loan Calculations: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 09/XX/2019). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2019 | 9/XX/2020 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX | 31492169 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/09/XX/2019) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2019 | 9/XX/2020 | TX | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451094 | Upsize | XXX | XXX | XXX | 31520674 | compliance | 2 | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 3/XX/2021 |  | IL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451224 | Upsize | XXX | XXX | XXX | 31470113 | credit | 3 | Missing Document: Fraud Report not provided |  |  |  |  |  | 12/XX/2019 |  | FL | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449333 | Upsize | XXX | XXX | XXX | 31469410 | compliance | 1 | Self Employed Financial Strength | Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (XXX XXX/Schedule C) | Most recent year income reported on 2018 Schedule C is more than 20% less than 2017 Schedule C income. |  |  |  | 1/XX/2020 |  | FL | Refinance - Rate/Term | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) | 2024/XX/05: Appeal. The declining income is acknowledged; however, the income used was calculated from the lowest year's income. Borrower is retired with SSI $XXX and VA pension $XXX and reports schedule C income from earnings as a waitress $XXX. Earnings are approved at $XXX or $XXX as shown on Sched C (for the lower year, prior year wass $XXX). This income is extremenly reasonable given retirement status and could easily increase with hours. Income is also supported by one month bank stmt showing $XXX deposits. Documentation also includes Transcripts and signed Tax Preparer letter for support. Income is reasonably calculated and adequately documented. | 2024/XX/05: Exception cleared. |
| 6452449333 | Upsize | XXX | XXX | XXX | 31469411 | compliance | 1 | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) | 1040s not signed and dated. |  |  |  | 1/XX/2020 |  | FL | Refinance - Rate/Term | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) | 2024/XX/05: Appeal. Income is adequately documented. Transcripts are present which negates need for signed tax returns and Tax Preparer letter is present to support Schedule C income from earnings as a XXX. | 2024/XX/05: Exception cleared. |
| 6452449333 | Upsize | XXX | XXX | XXX | 31469413 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | The Originator Loan Designation is Safe Harbor QM. However, the Due Diligence Loan Designation is Non QM due to the following issue(s): Most recent year income reported on 2018 Schedule C is more than 20% less than 2017 Schedule C income; 1040s not signed and dated. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2020 |  | FL | Refinance - Rate/Term | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) | 2024/XX/05: Appeal. Income is adequately documented. Transcripts are present which negates need for signed tax returns and Tax Preparer letter to support Schedule C income from earnings as a XXX. Total income approved at $XXX is further supported by bank stmt with $XXX monthly deposits. | 2024/XX/05: Exception cleared. |
| 6452449333 | Upsize | XXX | XXX | XXX | 31469414 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Total Debt to Income Ratio exceeds 43% |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 1/XX/2020 |  | FL | Refinance - Rate/Term | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Temporary SHQM (GSE/Agency Eligible) | 2024/XX/05: Appeal. Income is adequately documented. Transcripts are present which negates need for signed tax returns and Tax Preparer letter to support Schedule C income from earnings as a XXX. Total income approved at $XXX is further supported by bank stmt with $XXX monthly deposits. | 2024/XX/05: Exception cleared. |
| 6452450876 | Upsize | XXX | XXX | XXX | 31492587 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2019) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 2/XX/2019 |  | MO | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450876 | Upsize | XXX | XXX | XXX | 31492591 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75178) | Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2019 | 2/XX/2020 | MO | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452450876 | Upsize | XXX | XXX | XXX | 31492592 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7727) | Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2019 | 2/XX/2020 | MO | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452451160 | Upsize | XXX | XXX | XXX | 31492197 | credit | 3 | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | 7/XX/2021 |  | WI | Refinance - Cash-out - Other | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  |  |
| 6452449390 | Upsize | XXX | XXX | XXX | 31492745 | compliance | 2 | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2023 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 08/XX/2023). (Final/08/XX/2023) | Final Closing Disclosure provided on 08/XX/2023 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 08/XX/2023). |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2023 | 8/XX/2024 | FL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449390 | Upsize | XXX | XXX | XXX | 31492746 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2023 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/XX/2023). (Final/08/XX/2023) | Final Closing Disclosure provided on 08/XX/2023 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/XX/2023). |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2023 | 8/XX/2024 | FL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449390 | Upsize | XXX | XXX | XXX | 31492751 | credit | 3 | Missing Document: Verification of Identification not provided |  | Verification of Identification is missing |  |  |  | 8/XX/2023 |  | FL | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452450315 | Upsize | XXX | XXX | XXX | 31493683 | credit | 1 | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXX // Account Type: Money Markets / Account Number: XXX, Financial Institution: XXX // Account Type: Checking / Account Number: XXX | Two months bank accounts required for XXX accounts. File contains one month statement for each account. |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | HUD Safe Harbor QM |  | 2024/XX/06: Account is not needed for qualification. Exception is clear. |
| 6452450315 | Upsize | XXX | XXX | XXX | 31493849 | credit | 3 | Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing. |  | Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452450315 | Upsize | XXX | XXX | XXX | 31493989 | compliance | 2 | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452450315 | Upsize | XXX | XXX | XXX | 31493992 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | Originator Loan Designation discrepancy due to missing 2 months bank statements for XXX. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | HUD Safe Harbor QM | 2024/XX/04: Appeal: The Final LP approval required a total of $XXX in verified assets. The three XXX accounts totaled approximately $XXX so the XXX account was not required. The final LP is attached for review confirming only XXX of the XXX listed was required to be documented.<br>2024/XX/04: LP | 2024/XX/06: Account is not needed for qualification. Exception is clear. |
| 6452450315 | Upsize | XXX | XXX | XXX | 31493995 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  | There is no Assignee Liability. |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452450315 | Upsize | XXX | XXX | XXX | 31506083 | credit | 2 | Loan has been identified as FHA/VA/USDA |  |  |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452450315 | Upsize | XXX | XXX | XXX | 31506161 | credit | 3 | Initial HUD Addendum 92900-A is missing. | Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents) |  |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> C | 8/XX/2024 |  |  |  |  |  | HUD Safe Harbor QM |  |  |
| 6452450315 | Upsize | XXX | XXX | XXX | 31506230 | compliance | 1 | Non Taxable Income | Qualified Mortgage (Dodd-Frank 2014): Percentage of non-taxable income added exceeds borrower tax rate. (XXX Retired/Pension) | Waterfall due to missing 2 months bank statements for XXX, causing the loan to waterfall through the QM testing. |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | HUD Safe Harbor QM | 2024/XX/06: Please see XXX's response regarding assets under exception ID 31493992 above | 2024/XX/06: Income has been updated. Exception is clear. |
| 6452450315 | Upsize | XXX | XXX | XXX | 31506231 | compliance | 1 | Overtime Bonus 2Yr Calc | Qualified Mortgage (Dodd-Frank 2014): Use of Overtime/Bonus income for less than two (2) years not justified or documented in writing. (XXX XXX/Overtime) | Waterfall due to missing 2 months bank statements for XXX, causing the loan to waterfall through the QM testing. |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | HUD Safe Harbor QM | 2024/XX/06: Please see XXX's response regarding assets under exception ID 31493992 above | 2024/XX/06: Income updated. Exception is clear. |
| 6452450315 | Upsize | XXX | XXX | XXX | 31506232 | compliance | 1 | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/14058209) | Waterfall due to missing 2 months bank statements for XXX, causing the loan to waterfall through the QM testing. |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | HUD Safe Harbor QM |  | 2024/XX/06: Account is not needed for qualification. Exception is clear. |
| 6452450315 | Upsize | XXX | XXX | XXX | 31506234 | compliance | 1 | HUD QM AU Finding Fail | HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. | Waterfall due to missing 2 months bank statements for XXX, causing the loan to waterfall through the QM testing. |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | HUD Safe Harbor QM | 2024/XX/06: Please see XXX's response regarding assets under exception ID 31493992 above | 2024/XX/06: Account is not needed for qualification. Exception is clear. |
| 6452450315 | Upsize | XXX | XXX | XXX | 31506236 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing 2 months bank statements for XXX, causing the loan to waterfall through the QM testing. |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | HUD Safe Harbor QM | 2024/XX/06: Please see XXX's response regarding assets under exception ID 31493992 above | 2024/XX/06: Account is not needed for qualification. Exception is clear. |
| 6452450315 | Upsize | XXX | XXX | XXX | 31506238 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Waterfall due to missing 2 months bank statements for XXX, causing the loan to waterfall through the QM testing. |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | HUD Safe Harbor QM | 2024/XX/06: Please see XXX's response regarding assets under exception ID 31493992 above | 2024/XX/06: Account is not needed for qualification. Exception is clear. |
| 6452450315 | Upsize | XXX | XXX | XXX | 31506622 | credit | 1 | Asset documentation requirements not met. |  | File is missing 2 months consecutive bank statement for the XXX accounts. |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | HUD Safe Harbor QM |  | 2024/XX/06: Account is not needed for qualification. Exception is clear. |
| 6452450315 | Upsize | XXX | XXX | XXX | 31506643 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing 2 months bank statements for XXX, causing the loan to waterfall through the QM testing. |  |  |  | 12/XX/2023 |  | FL | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | HUD Safe Harbor QM | 2024/XX/06: Please see XXX's response regarding assets under exception ID 31493992 above | 2024/XX/06: Account is not needed for qualification. Exception is clear. |
| 6452451136 | Upsize | XXX | XXX | XXX | 31470182 | compliance | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7349) | Zero Percent Fee Tolerance exceeded Extension fee. Fee Amount of $XXX exceeds previously disclosed amount of $XXX. A valid COC, nor a cure tolerance were provided. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2023 | 10/XX/2024 | NC | Refinance - Cash-out - Other | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: Appeal – Lock expiration 10/XX/23 at XXX per the LE, loan closed 10/XX/23. The Lock Extension Fee of $XXX is allowable to retain the rate and can be confirmed<br> on the CFPB web site. - XXX<br>2024/XX/04: Appeal - Please see TPO Mavent report run on 10/XX/23 capturing CIC for the added rate dependent cost to extend the borrower's lock. Please also see Chase Loan Manager registration information showing the lock extension on 10/XX/23. Borrower signed final CD on 10/XX/23. TRID does not require the use of a specific form to document Change in Circumstance. The information provided documents what fee changed, why it changed and when it changed. - XXX | 2024/XX/04: SitusAMC received rebuttal, however we also require valid COC or rate lock extension document to re-evaluate the exception. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>2024/XX/05: SitusAMC received LOS snips to verify the change. |
| 6452450951 | Upsize | XXX | XXX | XXX | 31493765 | compliance | 1 | ECOA Appraisal Disclosure - ECOA Timing | ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. | File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. |  |  |  | 9/XX/2023 | 9/XX/2024 | NY | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2024/XX/09: SitusAMC received proof of application date. |
| 6452450951 | Upsize | XXX | XXX | XXX | 31493811 | compliance | 1 | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2023 incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/09/XX/2023) | Final Closing Disclosure provided on 09/XX/2023 incorrectly disclosed whether Homeowners Insurance is included in escrow. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | NY | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: Please see IEADS. Property is a co-op and only Walls-In coverage of XXX per month is escrowed. Final CD indicates YES in projected payments. | 2024/XX/05: Escrowed amount is correct. |
| 6452450951 | Upsize | XXX | XXX | XXX | 31493812 | compliance | 1 | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2023 incorrectly disclosed whether property taxes are included in escrow. (Final/09/XX/2023) | Final Closing Disclosure provided on 09/XX/2023 incorrectly disclosed whether property taxes are included in escrow. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | NY | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: Please see IEADS uploaded on exception 31493811. Property is a co-op and only Walls-In coverage of XXX per month is escrowed. Final CD indicates YES in projected payments. | 2024/XX/05: Property taxes are included in HOA Dues as a CO-OP. |
| 6452450951 | Upsize | XXX | XXX | XXX | 31493813 | compliance | 1 | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 09/XX/2023 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after 09/XX/2023 contains a change in APR and was not received by borrower at least three business days prior to consummation. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | NY | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: Please identify CD in question. CD v5 and v6 both issued on 9/XX have APR of 7.096 which does not exceed v4 APR provided on 8/15 (7.071) by greater than .125%. | 2024/XX/04: Upon further review removed unsigned blank CD document(s) 0429 estimated to be provided on 09/XX/2024, from testing. |
| 6452450951 | Upsize | XXX | XXX | XXX | 31493814 | compliance | 1 | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/06/XX/2023) | Initial application date is 4/XX/2023 and initial loan estimate is 6/XX/2023 |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | NY | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: Please see attached system screen shot showing LE Required Date of 6/XX/23. This is the date the system captures the six pieces of information for a TRID application and triggers the LE requirement.<br>2024/XX/05: Appeal: Please see D0236, D0134-D0136 and D0138 conditional approval letters with no purchase property address identified. D0277 is the first conditional approval letter following the purchase property address being submitted to XXX. D0239 is the original URLA taken on 4/XX/23 and does not contain the property address. This date will not change throughout the shopping and loan process. The date the purchase property is identified to XXX is captured as the LE required date previously provided triggering the LE to be provided. | 2024/XX/05: The application in file indicates a signature date of 4/XX, matching loan ID numbers and all six pieces of application information. Please provide initial LE, or provide documentation as to why the 4/XX application is not valid.<br>2024/XX/09: SitusAMC received proof of application date. |
| 6452450795 | Upsize | XXX | XXX | XXX | 31492944 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/08/XX/2023) |  |  | There is generally no Assignee Liability. |  | 9/XX/2023 |  | IN | Purchase | Primary | Yes<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449756 | Upsize | XXX | XXX | XXX | 31473798 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  | There is no Assignee Liability. |  | 11/XX/2023 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449756 | Upsize | XXX | XXX | XXX | 31473801 | compliance | 1 | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three business days of application. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2023 |  | OH | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2024/XX/09: Exception cleared. |
| 6452449756 | Upsize | XXX | XXX | XXX | 31473802 | compliance | 1 | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | List of Homeownership Counseling Organizations not provided to applicant within three business days of application. |  | RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. |  | 11/XX/2023 |  | OH | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2024/XX/09: Exception cleared. |
| 6452449756 | Upsize | XXX | XXX | XXX | 31473803 | compliance | 2 | Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. | Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. |  | The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned.<br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. |  | 11/XX/2023 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449756 | Upsize | XXX | XXX | XXX | 31473804 | compliance | 2 | Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided) | Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Right not to close disclosure not provided to borrower. |  | "The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned.<br> The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure." |  | 11/XX/2023 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452449756 | Upsize | XXX | XXX | XXX | 31473805 | compliance | 1 | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/10/XX/2023) | Loan Estimate is not signed and dated for 10/XX/2023. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2023 | 11/XX/2024 | OH | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: Appeal – Please see attached system screen shots provide verification of electronic delivery / receipt within three (3) business days of application. (Initial 10/XX/2023). – SO<br>2024/XX/05: Appeal – The estimated property value of XXX also the (6th piece of info) was not received on this purchase transaction until the Lender received the sales contract on 10/XX/23, see also D0136. - XXX<br>2024/XX/06: Appeal - Property address, section 4 not available on the 9/XX/23 application see document print date 9/XX/23. See the 9/XX/23 application with actual issue / print date of 10/XX/23 application with property address, 6th piece of information. The print date specified can be located on the lower portion of the page in the middle. - XXX | 2024/XX/05: Application in file contains all 6 pieces of required information and loan ID number matching final CD, to issue an LE. The application is dated 9/XX. Please provide initial LE for testing of documentation.<br>2024/XX/09: SitusAMC received lender certification and screen prints confirming application date with receipt of 6 pieces of information supported by contract and prior pre-approval information. |
| 6452449756 | Upsize | XXX | XXX | XXX | 31473824 | compliance | 1 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | Transfer Tax Fee was last disclosed as $XXX on Loan Estimate but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2023 | 11/XX/2024 | OH | Purchase | Primary | No<br> A | 8/XX/2024 | 9/XX/2024 |  | Yes |  |  | Safe Harbor QM (APOR) | 2024/XX/03: Appeal – Please see attached screen shots provide verification of Change of Circumstance vie electronic delivery to borrower for required fees change to include the $XXX Transfer Tax Fee. – SO<br>2024/XX/04: Appeal – Per loan data fees changed due to the change in loan amount, points and sales price. Lender paid Transfer tax went down resulting in an increase in the narrower paid Transfer tax. The change in loan amount is a valid reason to revise loan fees. - XXX<br>2024/XX/05: Appeal – VCC date 11/XX/23 – Lender received e-mail from borrower that XXX was to be removed from the title. See also the purchase contract available in file D0312 as updated 11/XX/23. - XXX | 2024/XX/04: SituAMC received snips for timeline of disclosure of fee however, the reason for adding the $XXX fee was not provided as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.<br>2024/XX/05: Change took place on 11/XX. Any VCC must have a reason for the change. SitusAMC is unable to accept a statement of change without a supporting reason for the change in fees. A change in pricing, rate, loan amount, borrower requested changes, any changes must include a reason for the change that the lender did not know, or could not have known about at initial disclosure. Please provide VCC for changes in transaction, that include explanation of reason for change.<br>2024/XX/06: SitusAMC received VCC dated 11/XX/24 for adding fee due to removed title only borrower from vesting. |
| 6452449756 | Upsize | XXX | XXX | XXX | 31505937 | compliance | 2 | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2023) | Delivery of appraisal not provided to the borrower within 3 days prior to closing. |  |  |  | 11/XX/2023 |  | OH | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451014 | Upsize | XXX | XXX | XXX | 31492958 | compliance | 2 | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/09/XX/2023) | Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/09/XX/2023) |  | There is generally no Assignee Liability. |  | 10/XX/2023 |  | WI | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451014 | Upsize | XXX | XXX | XXX | 31492961 | compliance | 2 | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | FACTA Disclosure not provided. |  | There is no Assignee Liability. |  | 10/XX/2023 |  | WI | Purchase | Primary | No<br> B | 8/XX/2024 |  |  |  |  |  | Safe Harbor QM (APOR) |  |  |
| 6452451252 | Upsize | XXX | XXX | XXX | 34420734 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos, and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 10/XX/2019 |  | IL | Refinance - Limited Cash-out GSE | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM |  | 2025/XX/07: Client provided BPO extract showing current inspection dates and no damage reported. |
| 6452449035 | Upsize | XXX | XXX | XXX | 34420809 | credit | 2 | Income Docs Missing: | Borrower: XXX W-2 (2019) | W-2 (2019) is missing in the file. |  |  |  | 8/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449035 | Upsize | XXX | XXX | XXX | 34420810 | compliance | 2 | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/08/XX/2020) |  |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2020 | 8/XX/2021 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449035 | Upsize | XXX | XXX | XXX | 34420811 | compliance | 2 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14686997) | Missing Employment Dates to verify two years employment history for current and/or prior employment. |  |  |  | 8/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449035 | Upsize | XXX | XXX | XXX | 34420812 | compliance | 2 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14694296) | Missing Employment Dates to verify two years employment history for current and/or prior employment. |  |  |  | 8/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449035 | Upsize | XXX | XXX | XXX | 34420814 | credit | 2 | Income documentation requirements not met. |  | File is missing verification of 2 Years Employment history for both Borrowers. |  |  |  | 8/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449410 | Upsize | XXX | XXX | XXX | 34420847 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 9/XX/2021 |  | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449410 | Upsize | XXX | XXX | XXX | 34420848 | compliance | 2 | Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified) | Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable |  |  |  |  | 9/XX/2021 |  | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452449410 | Upsize | XXX | XXX | XXX | 34420849 | compliance | 2 | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 10/XX/2021). (Final/08/XX/2021) | Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of 126.00. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2021 | 9/XX/2022 | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452449410 | Upsize | XXX | XXX | XXX | 34420850 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 10/XX/2021). (Final/08/XX/2021) | Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of 126.00. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2021 | 9/XX/2022 | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452449410 | Upsize | XXX | XXX | XXX | 34420852 | credit | 2 | REO Documents are missing. | Address: XXX, MA HOA Verification | The file is missing the mortgage HOA documentation for this property. Please provide for review. |  |  |  | 9/XX/2021 |  | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449410 | Upsize | XXX | XXX | XXX | 34420853 | credit | 2 | REO Documents are missing. | Address: XXX, VT HOA Verification | The file is missing the mortgage HOA documentation for this property. Please provide for review. |  |  |  | 9/XX/2021 |  | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450645 | Upsize | XXX | XXX | XXX | 34420867 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 10/XX/2021). (Final/10/XX/2021) | "Loan Calculations (pg 5) - one of these occurred: 1) Finance Charge is blank; 2) Primary residence refinance and Calculated Finance Charge exceeds disclosed Finance Charge by more than $XXX; 3) Primary residence purchase or occupancy = Second Home and Calculated Finance Charge exceeds disclosed Finance Charge by more than $XXX." |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450645 | Upsize | XXX | XXX | XXX | 34420868 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2020 | Verification(s) of employment is not within 10 business days of the Note. |  |  |  | 10/XX/2021 |  | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450645 | Upsize | XXX | XXX | XXX | 34420869 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/10/XX/2021) | Final Closing Disclosure provided on 10/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/10/XX/2021) |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2021 | 10/XX/2022 | MA | Refinance - Rate/Term | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450408 | Upsize | XXX | XXX | XXX | 34420912 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 2/XX/2017 |  | FL | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450408 | Upsize | XXX | XXX | XXX | 34420914 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 2/XX/2017 |  | FL | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/21: Client elects to waive with compensating factors. |
| 6452450408 | Upsize | XXX | XXX | XXX | 34420915 | credit | 2 | REO Documents are missing. | Address: XXX, FL, Address: XXX, IL, Address: XXX, IL Insurance Verification, Statement, Tax Verification<br> Insurance Verification<br> Insurance Verification |  |  |  |  | 2/XX/2017 |  | FL | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/21: Client elects to waive with compensating factors. |
| 6452450408 | Upsize | XXX | XXX | XXX | 34420916 | compliance | 1 | Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone | Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed. |  |  |  |  | 2/XX/2017 |  | FL | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/10: Property is a condo and the Home Owners Association holds the flood insurance policy therefore there is no escrow needed | 2025/XX/18: Flood in a blanket policy |
| 6452450408 | Upsize | XXX | XXX | XXX | 34420917 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75178) | Title - Abstract / Title Search Fee was last disclosed as $XXX on the Loan Estimate but was disclosed as $XXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2017 | 2/XX/2018 | FL | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450408 | Upsize | XXX | XXX | XXX | 34420918 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564) | Title - Endorsement Fee was last disclosed as $XXX on the Loan Estimate but was disclosed as $XXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2017 | 2/XX/2018 | FL | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450408 | Upsize | XXX | XXX | XXX | 34420919 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | Tax Service Fee (Life Of Loan) was last disclosed as $XXX on the Loan Estimate but was disclosed as $XXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2017 | 2/XX/2018 | FL | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449796 | Upsize | XXX | XXX | XXX | 34420946 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 10/XX/2019 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/07: Client provided BPO extract showing current inspection dates and no damage reported. |
| 6452449796 | Upsize | XXX | XXX | XXX | 34420947 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2019) |  |  |  |  | 10/XX/2019 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449796 | Upsize | XXX | XXX | XXX | 34420948 | compliance | 2 | TILA NMLSR - Originator Company Not Licensed at time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not NMLS licensed or registered at time of application. |  |  | "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages.<br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation." |  | 10/XX/2019 | 10/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449796 | Upsize | XXX | XXX | XXX | 34420952 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 10/XX/2019 did not disclose an accurate Index as reflected on the Note. (Final/10/XX/2019) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 10/XX/2019 did not disclose an accurate Index as reflected on the Note. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2019 | 10/XX/2020 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449589 | Upsize | XXX | XXX | XXX | 34420971 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 11/XX/2019 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM |  | 2025/XX/07: Client provided BPO extract showing current inspection dates and no damage reported. |
| 6452449589 | Upsize | XXX | XXX | XXX | 34420974 | compliance | 2 | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2019 disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final/11/XX/2019) |  |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2019 | 11/XX/2020 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449589 | Upsize | XXX | XXX | XXX | 34420975 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 09/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/09/XX/2019) | Initial Loan Estimate dated 09/XX/2019 was electronically provided prior to borrower's consent to receive electronic disclosures. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2019 | 11/XX/2020 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452449589 | Upsize | XXX | XXX | XXX | 34420976 | compliance | 2 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14555803) | VOE for the previous employment is missing |  |  |  | 11/XX/2019 |  | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452450101 | Upsize | XXX | XXX | XXX | 34421017 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 12/XX/2019 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450101 | Upsize | XXX | XXX | XXX | 34421018 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2019) | Verification appraisal was delivered to borrower was not provided. |  |  |  | 12/XX/2019 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452450909 | Upsize | XXX | XXX | XXX | 34421033 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  | The file is missing a copy of the 1007 Rent Comparison Schedule. |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A | 2024/XX/26: Refute - Documents loaded to Box in Folder: "Exception Support: Incomplete Loan Images or File" | 2025/XX/06: Additional documents provided. |
| 6452450909 | Upsize | XXX | XXX | XXX | 34421034 | credit | 2 | Missing Document: 1007 Rent Comparison Schedule not provided |  | File is missing a copy of the 1007 Rent Comparison Schedule. |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/19: Client elects to waive with compensating factor. |
| 6452451159 | Upsize | XXX | XXX | XXX | 34421035 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  | The file is missing one or more of the core documents required for a review. Please provide a Note, Security Instrument, initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's or TIL's, GFE's and HUD1's. |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A | 2024/XX/26: Refute - Documents loaded to Box in Folder: "Exception Support: Incomplete Loan Images or File" | 2025/XX/05: Sufficient documents have been provided for initial review. |
| 6452451159 | Upsize | XXX | XXX | XXX | 34421036 | credit | 2 | REO Documents are missing. | Address: XXX, IL, Address: XXX, IL, Address: XXX, IL Statement, Tax Verification<br> Statement, Tax Verification<br> Statement, Tax Verification |  |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/20: Statement, Tax Verification Statement, Tax Verification Statement, Tax Verification |
| 6452451159 | Upsize | XXX | XXX | XXX | 34421037 | property | 1 | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: 04/XX/2020 |  |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A | 2025/XX/10: fraudguard shows appraiser license active/not expired at time of closing. Uploaded to sharepoint | 2025/XX/16: Provided appraisers license reflecting active at time of origination |
| 6452451159 | Upsize | XXX | XXX | XXX | 34421038 | credit | 2 | AUS Findings: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 44.91682% exceeds AUS total debt ratio of 27.78000%. | Insufficient Qualifying Income has resulted in a DTI discrepancy of 44.91%, exceeding the maximum AUS approved DTI ratio of $XXX% |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/20: Insufficient Qualifying Income has resulted in a DTI discrepancy of 44.91%, exceeding the maximum AUS approved DTI ratio of $XXX% |
| 6452451159 | Upsize | XXX | XXX | XXX | 34421039 | credit | 2 | Income documentation requirements not met. |  | Insufficient Qualifying Income has resulted in a DTI discrepancy of 44.91%, exceeding the maximum AUS approved DTI ratio of $XXX% |  |  |  | 12/XX/2020 |  | IL | Refinance - Rate/Term | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/20: Insufficient Qualifying Income has resulted in a DTI discrepancy of 44.91%, exceeding the maximum AUS approved DTI ratio of $XXX% |
| 6452450249 | Upsize | XXX | XXX | XXX | 34421043 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. (Final/03/XX/2021) | Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are over disclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450249 | Upsize | XXX | XXX | XXX | 34421044 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 04/XX/2021). (Final/03/XX/2021) | Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450249 | Upsize | XXX | XXX | XXX | 34421046 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/03/XX/2021) | Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450249 | Upsize | XXX | XXX | XXX | 34421047 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The most recent valuation inspection (10/XX/2020) is dated prior to the most recent FEMA disaster (07/XX/2022). |  |  |  | 3/XX/2021 |  | MO | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450249 | Upsize | XXX | XXX | XXX | 34421048 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 04/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/03/XX/2021) | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 04/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451156 | Upsize | XXX | XXX | XXX | 34421114 | compliance | 1 | QM Employment History - Current Job after Gap | Qualified Mortgage (Dodd-Frank 2014): Current Job History post-Gap with LOE, lacking 6 months on current job. (XXX/14556530) | Waterfall due to employment gap is more than 6 months |  |  |  | 12/XX/2020 |  | IN | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Letter of explanaction in file, layoff due to covid and searching for work. | 2025/XX/10: Appendix Q requires time on current employment after a gap to be greater than 6 months. Borrower had only been with their employer for two months at the time of closing. Exception remains open.<br>2025/XX/17: Loan has been re designated at client request |
| 6452451156 | Upsize | XXX | XXX | XXX | 34421115 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Waterfall due to employment gap is more than 6 months |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2020 |  | IN | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Letter of explanaction in file, layoff due to covid and searching for work. | 2025/XX/10: Appendix Q requires time on current employment after a gap to be greater than 6 months. Borrower had only been with their employer for two months at the time of closing. Exception remains open.<br>2025/XX/17: Loan has been re designated at client request |
| 6452451156 | Upsize | XXX | XXX | XXX | 34421116 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 12/XX/2020 did not disclose an accurate Index as reflected on the Note. (Final/12/XX/2020) | Final Closing Disclosure provided on 12/XX/2020 did not disclose an accurate Index as reflected on the Note. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2020 | 12/XX/2021 | IN | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451156 | Upsize | XXX | XXX | XXX | 34421118 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2020 |  | IN | Purchase | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450490 | Upsize | XXX | XXX | XXX | 34421128 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 1/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450490 | Upsize | XXX | XXX | XXX | 34421129 | compliance | 1 | Commission Tax Documentation | Qualified Mortgage (Dodd-Frank 2014): Commission income missing two years consecutive signed tax returns or tax transcripts (XXX XXX/Commission) | Commission income missing two years consecutive signed tax returns or tax transcripts |  |  |  | 1/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Appendix Q ended December of 2020 so tax returns were no longer required to verify commission income. | 2025/XX/17: Loan has been re designated at client request |
| 6452450490 | Upsize | XXX | XXX | XXX | 34421130 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14556570) | Complete 2 year employment history was not entered and/or documented as per requirement |  |  |  | 1/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Final 1003 uploaded showing 2 year history. W2 from 2018 and 2019 for Lauren provide a detailed breakdown of the income. | 2025/XX/17: Loan has been re designated at client request |
| 6452450490 | Upsize | XXX | XXX | XXX | 34421132 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Due to Missing Complete 2 year employment history was not entered and/or documented as per requirement |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Final 1003 uploaded showing 2 year history. W2 from 2018 and 2019 for Lauren provide a detailed breakdown of the income. | 2025/XX/17: Loan has been re designated at client request |
| 6452450490 | Upsize | XXX | XXX | XXX | 34421133 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 11/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/11/XX/2020) | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 11/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2021 | 1/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450490 | Upsize | XXX | XXX | XXX | 34421134 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421137 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 3/XX/2021 |  | MO | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421138 | credit | 2 | Purchase contract date not provided. |  |  |  |  |  | 3/XX/2021 |  | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive without compensating factors. |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421139 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2021) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. |  |  |  | 3/XX/2021 |  | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421141 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2645829) | Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421142 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2645830) | Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421143 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2645831) | Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421144 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/2645828) | Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421145 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/03/XX/2021) | Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421146 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/03/XX/2021) | Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421147 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. (Final/03/XX/2021) | Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. (Final/03/XX/2021) |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421148 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. | CHARM Booklet is missing |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2021 | 3/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449828 | Upsize | XXX | XXX | XXX | 34421149 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM Disclosure is missing |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 3/XX/2021 | 3/XX/2022 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450306 | Upsize | XXX | XXX | XXX | 34421187 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required |  |  |  | 2/XX/2021 |  | IL | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450306 | Upsize | XXX | XXX | XXX | 34421189 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/02/XX/2021) | Loan term is of 30 years, Note document shows 360 months which include 1 year of Interest only period due to Construction Permanent. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | IL | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450306 | Upsize | XXX | XXX | XXX | 34421190 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed. (Final/02/XX/2021) | Final Closing disclosure page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $967.57, however page 4 total states $11,610.84 annually which comes monthly $967.57. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2022 | IL | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450306 | Upsize | XXX | XXX | XXX | 34421195 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2647182) | Final Closing disclosure page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $967.57, however page 4 total states $11,610.84 annually which comes monthly $967.57. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2024 | IL | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450306 | Upsize | XXX | XXX | XXX | 34421196 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2647183) | Final Closing disclosure page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $967.57, however page 4 total states $11,610.84 annually which comes monthly $967.57. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2024 | IL | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450306 | Upsize | XXX | XXX | XXX | 34421197 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2647182) | Final Closing Disclosure dated 02/XX/2021 Principal & Interest for Payment Stream 3 is not matching due to Subject Transaction is 1 year Interest only due to Construction Permanent. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2024 | IL | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450306 | Upsize | XXX | XXX | XXX | 34421198 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 02/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/02/XX/2021) | Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2021 | 2/XX/2024 | IL | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421202 | credit | 1 | Income Docs Missing: | Borrower: XXX VVOE - Employment Only | The Verification of current and previous employment dates, 10 days prior to closing are missing from the loan file. |  |  |  | 3/XX/2021 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/12: VVOE provided |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421203 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | The Verification of current and previous employment dates, 10 days prior to closing are missing from the loan file. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2021 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Using covid 19 guidelines getting paystub immediately preceding note date was acceptable for verbal verification of employment. Would not need VVOE for previous employer | 2025/XX/12: Changed the designation to non-QM |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421204 | compliance | 1 | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXX XXX/Wages) | The Verification of current and previous employment dates, 10 days prior to closing are missing from the loan file. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 3/XX/2021 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Using covid 19 guidelines getting paystub immediately preceding note date was acceptable for verbal verification of employment. Would not need VVOE for previous employer | 2025/XX/12: Changed the designation to non-QM |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421205 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | The Verification of current and previous employment dates, 10 days prior to closing are missing from the loan file. |  |  |  | 3/XX/2021 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Using covid 19 guidelines getting paystub immediately preceding note date was acceptable for verbal verification of employment. Would not need VVOE for previous employer | 2025/XX/12: 1. Missing confirmation of the continuance of the bonus income will continue. 2. missing the gap of employment explanation from 9-2020 to 11-2020.<br>2025/XX/27: Exception cleared. |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421207 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. (Final/03/XX/2021) | Escrowed Property Costs Year 1 Over disclosed due to inclusion of mortgage insurance. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421212 | compliance | 2 | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 03/XX/2021). (Final/03/XX/2021) | Finance Charge disclosed is $XXX. Calculated finance charge is $XXX . Variance of $XXX . Required Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421213 | compliance | 2 | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. (Final/03/XX/2021) | Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are over disclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421214 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/03/XX/2021) | Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421216 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to Borrower current employment verification of employment is missing. |  |  |  | 3/XX/2021 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Using covid 19 guidelines getting paystub immediately preceding note date was acceptable for verbal verification of employment. Would not need VVOE for previous employer | 2025/XX/12: 1. Missing confirmation of the continuance of the bonus income will continue. 2. missing the gap of employment explanation from 9-2020 to 11-2020.<br>2025/XX/27: Exception cleared. |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421217 | credit | 1 | Income documentation requirements not met. |  | The Verification of current and previous employment dates, 10 days prior to closing are missing from the loan file. |  |  |  | 3/XX/2021 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/18: Client elects to waive without compensating factors.<br>2025/XX/27: Reopened.<br>2025/XX/27: Exception cleared. |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421218 | credit | 1 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 11/XX/2020 | The Verification of current and previous employment dates, 10 days prior to closing are missing from the loan file. |  |  |  | 3/XX/2021 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/12: VVOE provided |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421219 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 03/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/03/XX/2021) | The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 3/XX/2021 | 3/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450658 | Upsize | XXX | XXX | XXX | 34421220 | compliance | 1 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | 1. Missing confirmation of the continuance of the bonus income will continue. 2. missing the gap of employment explanation from 9-2020 to 11-2020. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2021 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/21: Loan classified as General ATR. Borrower is in sales and bonus income is typical for the line of work. UW used combined W2 income from both prior employer and current employer and then averaged over 24 months. Portfolio policy at that time required employment gap letters in excess of 60 days. | 2025/XX/27: Exception cleared. |
| 6452450930 | Upsize | XXX | XXX | XXX | 34421244 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 6/XX/2021 |  | MO | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450930 | Upsize | XXX | XXX | XXX | 34421246 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2021) | No evidence that borrower received a copy of appraisal 3 business days to closing. |  |  |  | 6/XX/2021 |  | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450930 | Upsize | XXX | XXX | XXX | 34421248 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. (Final/06/XX/2021) | Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450930 | Upsize | XXX | XXX | XXX | 34421253 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 6/XX/2021 | 6/XX/2024 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450930 | Upsize | XXX | XXX | XXX | 34421254 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2021) | Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450930 | Upsize | XXX | XXX | XXX | 34421255 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 06/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/06/XX/2021) | Disclosed Finance Charges are $XXX. Due Diligence Finance Charges are $XXX. There is a variance of $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2024 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449007 | Upsize | XXX | XXX | XXX | 34421286 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 5/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449007 | Upsize | XXX | XXX | XXX | 34421287 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14557117) | Missing VOEs for prior employment verifying two years employment. |  |  |  | 5/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Correspondent TPO Portfolio ARM (p10cmt525). Closing Date 5/XX/2021. Prior VOEs are not required to document borrowers' previous employment. | 2025/XX/17: Loan has been re designated at client request |
| 6452449007 | Upsize | XXX | XXX | XXX | 34421288 | compliance | 1 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14557118) | Missing VOEs for prior employment verifying two years employment. |  |  |  | 5/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: Loan has been re designated at client request |
| 6452449007 | Upsize | XXX | XXX | XXX | 34421290 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Missing VOEs for prior employment verifying two years employment. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Correspondent TPO Portfolio ARM (p10cmt525). Closing Date 5/XX/2021. Prior VOEs are not required to document borrowers' previous employment. | 2025/XX/17: Loan has been re designated at client request |
| 6452449007 | Upsize | XXX | XXX | XXX | 34421291 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2021 |  | IL | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450726 | Upsize | XXX | XXX | XXX | 34421295 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area. Require a post-disaster inspection verifying there was no damage to the subject property. |  |  |  | 6/XX/2021 |  | MO | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450726 | Upsize | XXX | XXX | XXX | 34421297 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. (Final/06/XX/2021) | Mortgage insurance is not consider in initial escrow disclosure. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450726 | Upsize | XXX | XXX | XXX | 34421299 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2021) | Payment stream one includes only Interest payment. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450726 | Upsize | XXX | XXX | XXX | 34421300 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 06/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/06/XX/2021) | The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2024 | MO | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449977 | Upsize | XXX | XXX | XXX | 34421313 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in FEMA disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 1/XX/2022 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449977 | Upsize | XXX | XXX | XXX | 34421315 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449977 | Upsize | XXX | XXX | XXX | 34421319 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed. (Final/01/XX/2022) |  |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449977 | Upsize | XXX | XXX | XXX | 34421320 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/01/XX/2022) | CD disclosed 12 months of interest only payments. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM | 2024/XX/30: Per Exception Information , construction loan product with first year being interest only. Remaining yearts contain interest. Projected payments indicates first year as interest only and remaining years with interest included, Monthly Principal & Interest indicates only interest through month 12 as does AP table.<br>2025/XX/16: As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month | 2024/XX/31: Final CD reflects page 1 Loan Terms - monthly principal & interest that "Includes only interest and no principal until mo. 12", however, the promissory note and const loan allonge reflect that the interest only period is for full 12 months and would be "until" mo 13". Corrected CD and LOE to borrower.<br>2025/XX/17: SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br>2025/XX/04: Client elected to waive |
| 6452449464 | Upsize | XXX | XXX | XXX | 34421372 | compliance | 2 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14557195) | Missing Employment Dates to verify two years employment history for current and/or prior employment. |  |  |  | 7/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/04: Client elected to waive |
| 6452449464 | Upsize | XXX | XXX | XXX | 34421380 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 7/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449464 | Upsize | XXX | XXX | XXX | 34421381 | compliance | 2 | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. |  |  | TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. |  | 7/XX/2021 | 7/XX/2024 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421411 | credit | 2 | Purchase contract date not provided. |  | Purchase contract date was not provided. |  |  |  | 8/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive with comp factors.<br>2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421414 | compliance | 2 | TRID Final Closing Disclosure AP Table Interest Only Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2021 incorrectly disclosed whether the loan contains Interest Only Payments. (Final/08/XX/2021) | Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2021 incorrectly disclosed whether the loan contains Interest Only Payments. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421415 | compliance | 2 | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/08/XX/2021) | Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421416 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 08/XX/2021 are overdisclosed. (Final/08/XX/2021) | Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 08/XX/2021 are overdisclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421418 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2655341) | Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 3 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421419 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2655342) | Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 4 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421420 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2655340) | Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421421 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2655341) | Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421422 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2655342) | Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421423 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/2655339) | Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421424 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/08/XX/2021) | Loan Terms: Final Closing Disclosure provided on 08/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421425 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 09/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/08/XX/2021) | The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2024 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421426 | compliance | 2 | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421427 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421428 | compliance | 1 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | B1 Bonus income was not used in calculations as it is not two years worth. Due diligence DTI calculations are 52.90% and lender DTI is 43.210%, causing a Loan Designation discrepancy. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 8/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/10: Paystub from previous employer in file showing bonus / incentive income. This proves bonus / incentive income has been received from previous employment therefore covering required two-year history to use said income. this was for General ATR designation on 1008. File meets General ATR requirements. | 2025/XX/22: Bonus income justification provided. Exception cleared. |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421429 | compliance | 1 | General Ability To Repay Provision Non QM DTI significantly exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 52.90% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | B1 Bonus income was not used in calculations as it is not two years worth. Due diligence DTI calculations are 52.90% and lender DTI is 43.210%. |  |  |  | 8/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/10: Paystub from previous employer in file showing bonus / incentive income. This proves bonus / incentive income has been received from previous employment therefore covering required two-year history to use said income. this was for General ATR designation on 1008. File meets General ATR requirements. | 2025/XX/22: Bonus income justification provided. Exception cleared. |
| 6452450263 | Upsize | XXX | XXX | XXX | 34421430 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | 8/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449496 | Upsize | XXX | XXX | XXX | 34421449 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  | The file is missing one or more of the core documents required for a review. Please provide a Note, Security Instrument, initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's or TIL's, GFE's and HUD1's. |  |  |  | 7/XX/2021 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (43-Q) | 2024/XX/26: Refute - Documents loaded to Box in Folder: "Exception Support: Incomplete Loan Images or File" | 2025/XX/04: Sufficient documentation has been provided for initial review. |
| 6452449496 | Upsize | XXX | XXX | XXX | 34421450 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 7/XX/2021 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/17: BPO extract provided with current inspection dates showing no damage. |
| 6452449479 | Upsize | XXX | XXX | XXX | 34421460 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449479 | Upsize | XXX | XXX | XXX | 34421461 | credit | 2 | Purchase contract date not provided. |  |  |  |  |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Client elects to waive with comp factors. |
| 6452449479 | Upsize | XXX | XXX | XXX | 34421463 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 12/XX/2021 with an increasing payment did not disclose the frequency of adjustments. (Final/XX/20/2021) | Updated as per document |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449479 | Upsize | XXX | XXX | XXX | 34421464 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 12/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/XX/20/2021) | Updated as per document |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449479 | Upsize | XXX | XXX | XXX | 34421466 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 12/XX/2021 are overdisclosed. (Final/XX/20/2021) |  |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449479 | Upsize | XXX | XXX | XXX | 34421467 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 12/XX/2021 did not disclose an accurate Index as reflected on the Note. (Final/XX/20/2021) | Note reflects UST 1 year weekly. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449479 | Upsize | XXX | XXX | XXX | 34421468 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/XX/20/2021) | TOP disclosed was $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449078 | Upsize | XXX | XXX | XXX | 34421489 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 8/XX/2021 |  | IL | Refinance - Cash-out - Other | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449503 | Upsize | XXX | XXX | XXX | 34421493 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 07/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/07/XX/2021) | Evidence of earlier receipt not found. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | MN | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450362 | Upsize | XXX | XXX | XXX | 34421495 | property | 1 | Appraiser's license or certification was not active at the time of the appraisal. | Valuation Type: Appraisal / Valuation Report Date: 07/XX/2021 | Appraiser's license or certification was not active at the time of the appraisal. |  |  |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Property was inspected on 7/XX/2021 and Appraisal was completed on 7/XX/2021. Appraiser's License had an expiration date of 9/XX/2021. | 2025/XX/12: Per ASC.gov, the issue date is 9-2023 and inspection date is 7-2021. Missing the original issue date.<br>2025/XX/24: Cleared |
| 6452450362 | Upsize | XXX | XXX | XXX | 34421496 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The latest dated appraisal inspection date is XX/XX/XXXX. There was a FEMA disaster dated XX/XX/XXXX. Need a post-disaster inspection form indicating no damage to the subject property and must be dated after the disaster declaration. |  |  |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450362 | Upsize | XXX | XXX | XXX | 34421497 | credit | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $XXX Provide updated policy reflecting minimum coverage of $XXX OR Provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Borrower's previous employment (XXX, XXX, and XXX) and co-borrower's previous employment (XXX) was documented with 2020 & 2019 W-2s. This is a condo which includes building coverage in the condo master policy of $XXX/32 units = $XXX in coverage. | 2025/XX/12: Condo insurance provided |
| 6452450362 | Upsize | XXX | XXX | XXX | 34421498 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) |  |  |  |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Note date is 9/XX/20. Findings state missing most recent signed and dated business tax returns or transcripts. Underwriter used a Global Cash Flow for qualifying income. Portfolio guidelines allow and tax returns are not required. Deadline to file 2019 tax returns was extended to 7/XX/2020, but that was prior to the note date. 2020 tax returns are not in file | 2025/XX/12: Per Appendix Q guidelines, asset depletion income is not allowed.<br>2025/XX/17: Loan has been re designated at client request |
| 6452450362 | Upsize | XXX | XXX | XXX | 34421499 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2021) | The file is missing proof of receipt of the updated appraisal with a report date of 07/XX/2021. The appraisal is required to be received no less than three business days prior to closing. |  |  |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450362 | Upsize | XXX | XXX | XXX | 34421500 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:17861/07/XX/2021) | The file is missing proof of receipt of the updated appraisal with a report date of 07/XX/2021. The appraisal is required to be received no less than three business days prior to closing. |  |  |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450362 | Upsize | XXX | XXX | XXX | 34421502 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7772) | Certification Fee was last disclosed as $XXX on Loan Estimate but disclosed as $XXX on Final Closing Disclosure dated 08/XX/2021. File does not contain a valid COC for this fee, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2021 | 8/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450362 | Upsize | XXX | XXX | XXX | 34421503 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Note date is 9/XX/20. Findings state missing most recent signed and dated business tax returns or transcripts. Underwriter used a Global Cash Flow for qualifying income. Portfolio guidelines allow and tax returns are not required. Deadline to file 2019 tax returns was extended to 7/XX/2020, but that was prior to the note date. 2020 tax returns are not in file | 2025/XX/12: Per Appendix Q guidelines, asset depletion income is not allowed.<br>2025/XX/17: Loan has been re designated at client request |
| 6452450362 | Upsize | XXX | XXX | XXX | 34421504 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 8/XX/2021 |  | IL | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450735 | Upsize | XXX | XXX | XXX | 34421514 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 9/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421548 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Waterfall due to missing signed and dated 1040 and third party verification for borrower business XXX and co-borrower. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 2/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: 2020 & 2019 Tax Transcripts are in file and can be used in lieu of borrowers' signatures on Tax Returns. Third Party Verification of borrower's self-employment at XXX was verified using Verbal Verification of Employment (document in file). No income used from XXX. Co-Borrower has a loss from XXX self-employment, so Third Party Verification was not required. | 2025/XX/21: Exception cleared. |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421549 | compliance | 1 | General Ability To Repay Provision Employment - K-1 Less 25% | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (XXX XXX/Schedule K-1 less than 25 Percent) | Waterfall due to missing signed and dated 1040 and third party verification for borrower business XXX. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 2/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: 2020 & 2019 Tax Transcripts are in file and can be used in lieu of borrowers' signatures on Tax Returns. Third Party Verification of borrower's self-employment at XXX was verified using Verbal Verification of Employment (document in file). No income used from XXX. Co-Borrower has a loss from XXX self-employment, so Third Party Verification was not required. | 2025/XX/21: Exception cleared. |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421550 | compliance | 1 | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXX XXX/Schedule K-1 less than 25 Percent) | Waterfall due to missing signed and dated 1040 and third party verification for borrower business XXX. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 2/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: 2020 & 2019 Tax Transcripts are in file and can be used in lieu of borrowers' signatures on Tax Returns. Third Party Verification of borrower's self-employment at XXX was verified using Verbal Verification of Employment (document in file). No income used from XXX. Co-Borrower has a loss from XXX self-employment, so Third Party Verification was not required. | 2025/XX/21: Exception cleared. |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421551 | compliance | 1 | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXX XXX/Schedule C) | Waterfall due to missing third party verification. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 2/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: 2020 & 2019 Tax Transcripts are in file and can be used in lieu of borrowers' signatures on Tax Returns. Third Party Verification of borrower's self-employment at XXX was verified using Verbal Verification of Employment (document in file). No income used from XXX. Co-Borrower has a loss from XXX self-employment, so Third Party Verification was not required. | 2025/XX/21: Exception cleared. Two years signed and dated tax returns, transcripts, thrid party verification, and YTD P&L Statement have been provided. |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421552 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing signed and dated 1040 and third party verification for borrower business XXX and co-borrower. |  |  |  | 2/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: 2020 & 2019 Tax Transcripts are in file and can be used in lieu of borrowers' signatures on Tax Returns. Third Party Verification of borrower's self-employment at XXX was verified using Verbal Verification of Employment (document in file). No income used from XXX. Co-Borrower has a loss from XXX self-employment, so Third Party Verification was not required. | 2025/XX/21: Exception cleared. |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421555 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/02/XX/2022) | Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/02/XX/2022) |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2022 | 2/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421557 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2022 are overdisclosed. (Final/02/XX/2022) | Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2022 are overdisclosed. (Final/02/XX/2022) |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2022 | 2/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421558 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 12/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/12/XX/2021) | E-sign disclosure is provided on 01/XX/2022. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2022 | 2/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421559 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing signed and dated 1040 and third-party verification for borrower business XXX and co-borrower. |  |  |  | 2/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: 2020 & 2019 Tax Transcripts are in file and can be used in lieu of borrowers' signatures on Tax Returns. Third Party Verification of borrower's self-employment at XXX was verified using Verbal Verification of Employment (document in file). No income used from XXX. Co-Borrower has a loss from XXX self-employment, so Third Party Verification was not required. | 2025/XX/21: Exception cleared. |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421560 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/02/XX/2022) | Final Closing Disclosure provided on 02/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/02/XX/2022) |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 2/XX/2022 | 2/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421561 | credit | 1 | Income documentation requirements not met. |  | Missing signed and date 1040 and third party verification for co-borrower and borrower business XXX. |  |  |  | 2/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade.<br>2025/XX/21: Waived in error.<br>2025/XX/21: Exception cleared. |
| 6452449541 | Upsize | XXX | XXX | XXX | 34421562 | credit | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Using the coverage listed on the insurance binder, the coverage shortage is $XXX |  |  |  | 2/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Original appraised value $XXX - $XXX site value =insurable value $XXX. HOI policy in file has builders risk insurance of $XXX | 2025/XX/21: The loan amount is $XXX - $XXX coverage = a $XXX shortfall.<br>2025/XX/21: Lender explanation/calculation provided. Acceptable. |
| 6452450192 | Upsize | XXX | XXX | XXX | 34421606 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required |  |  |  | 8/XX/2022 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452450192 | Upsize | XXX | XXX | XXX | 34421607 | compliance | 2 | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether the loan will have an escrow account. (Final/08/XX/2022) | Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether the loan will have an escrow account. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2022 | 8/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450192 | Upsize | XXX | XXX | XXX | 34421608 | compliance | 2 | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether the loan will have an escrow account. (Final/08/XX/2022) | Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether the loan will have an escrow account. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2022 | 8/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450192 | Upsize | XXX | XXX | XXX | 34421609 | compliance | 2 | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) | Lender Credits Fee was last disclosed as -$XXX on Loan Estimate but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2022 | 8/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450192 | Upsize | XXX | XXX | XXX | 34421610 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | Tax service Fee was last disclosed as $XXX on Loan Estimate but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2022 | 8/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450192 | Upsize | XXX | XXX | XXX | 34421611 | compliance | 2 | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether property taxes are included in escrow. (Final/08/XX/2022) | Final Closing disclosure Page1 indicates Flood insurance in escrow.. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2022 | 8/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450192 | Upsize | XXX | XXX | XXX | 34421614 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/08/XX/2022) | Final Closing Disclosure provided on 08/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2022 | 8/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM | 2025/XX/02: Construction loan product with first year being interest only. Remaining yearts contain interest. Projected payments indicates first year as interest only and remaining years with interest included, Monthly Principal & Interest indicates only interest through month 12 as does AP table.<br>2025/XX/16: As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th and final interest only payment is the 12th month | 2025/XX/02: SitusAMC received rebuttal that first year interest only. However, page 1 of final CD in Loan Terms - Monthly Principal & Interest states that includes only interest and no principal "until" month 12. As this is 12 month interest only, the only interest would be included "until" month 13. 13th month starts principal & interest payment. Corrected CD and LOE to borrower to cure.<br>2025/XX/17: SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br>2025/XX/04: Client elected to waive |
| 6452450192 | Upsize | XXX | XXX | XXX | 34421615 | compliance | 1 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 08/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/08/XX/2022) | Final Closing Disclosure provided on 08/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 8/XX/2022 | 8/XX/2025 | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Calculation is accurate. Amortization Calculator provided which shows $XXX in PPFC, $XXX Loan Costs,$XXX for MI. First year is interest only. 3.008% index for 5.75% fully amortized rate. Difference provided seems to be close to the difference in the first payment and second payment. First months interest is not for the full month, but prorated from the day of disbursement on a 360 day calculation. First payment is $XXX prorated. | 2025/XX/06: TOP accurate based on actual days interest on first payment |
| 6452450342 | Upsize | XXX | XXX | XXX | 34421618 | compliance | 2 | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/09/XX/2022) | Final Closing Disclosure provided on 09/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450342 | Upsize | XXX | XXX | XXX | 34421619 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2022 are overdisclosed. (Final/09/XX/2022) | Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2022 are over disclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450342 | Upsize | XXX | XXX | XXX | 34421621 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2654433) | Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450342 | Upsize | XXX | XXX | XXX | 34421622 | compliance | 2 | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2654434) | Final Closing Disclosure provided on 09/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450342 | Upsize | XXX | XXX | XXX | 34421623 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/09/XX/2022) | Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450342 | Upsize | XXX | XXX | XXX | 34421624 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/09/XX/2022) | Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2022 | 9/XX/2023 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450342 | Upsize | XXX | XXX | XXX | 34421625 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 9/XX/2022 |  | IL | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452449432 | Upsize | XXX | XXX | XXX | 34421638 | credit | 1 | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by $XXX. |  |  |  | 5/XX/2022 |  | MN | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: The figures were done correctly to show the total replacement cov on the home. The home was written at the replacement value of $XXX and the policy includes an endorsement to add replacement coverage up to 125% which brings that value up to the $XXX figure.<br>The total coverage amount would have been :<br> &nbsp;&nbsp;&nbsp;&nbsp; Dwelling: $XXX<br> &nbsp;&nbsp;&nbsp;&nbsp; Other Structures: $XXX<br> &nbsp;&nbsp;&nbsp;&nbsp; Replacement/additional coverage: $XXX<br> &nbsp;&nbsp;&nbsp;&nbsp; Deductible: 1500<br> &nbsp;&nbsp;&nbsp;&nbsp; Total coverage: $XXX<br> As far as having adequate coverage the home is insured up to 125% of its replacement value. | 2025/XX/13: As per Doc 1176 page no :1135 has Replacement/additional coverage:XXX - Dwelling: $XXX = Replacement cost: $XXX. However still we have coverage short fall of $XXX. Exception remains.<br>2025/XX/21: Lender explanation/calculation provided. Acceptable. |
| 6452449432 | Upsize | XXX | XXX | XXX | 34421640 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/XX/20/2022) | Final Closing Disclosure provided on 05/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2022 | 5/XX/2023 | MN | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449432 | Upsize | XXX | XXX | XXX | 34421641 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2022 are overdisclosed. (Final/XX/20/2022) | Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2022 | 5/XX/2023 | MN | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449519 | Upsize | XXX | XXX | XXX | 34421663 | compliance | 2 | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Interim/10/XX/2022) | Issue Date Not Provided |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452449519 | Upsize | XXX | XXX | XXX | 34421665 | compliance | 2 | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 10/XX/2022 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after 10/XX/2022 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452449519 | Upsize | XXX | XXX | XXX | 34421668 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The Subject property is located in a FEMA Disaster area . A post-Disaster inspection verifying there was no damage to the subject property required |  |  |  | 10/XX/2022 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Safe Harbor QM (APOR) |  | 2025/XX/10: BPO extract provided with current inspection dates indicating no damage. |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421669 | compliance | 2 | TRID Closing Disclosure: "Product" in Loan Details section is blank. | Date Issued: 10/XX/2022, Date Issued: 10/XX/2022 | Incomplete Closing disclosure in the file, provide attestation that this CD was not issued to the borrower |  |  |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421670 | credit | 2 | Missing Document: Purchase Agreement / Sales Contract not provided |  | The purchase agreement is missing in the file. |  |  |  | 10/XX/2022 |  | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/06: Comp factors used to waive exception |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421671 | compliance | 2 | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Interim/10/XX/2022) | Closing Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual Date Issued. Incomplete Closing disclosure in the file, provide attestation that this CD was not issued to the borrower |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421672 | compliance | 2 | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initial/10/XX/2022) | Closing Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual Date Issued. Incomplete Closing disclosure in the file, provide attestation that this CD was not issued to the borrower |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421673 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 10/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/10/XX/2022) | Final Closing Disclosure provided on 10/XX/2022 did not disclose an accurate Index as reflected on the Note. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421674 | compliance | 2 | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 10/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/10/XX/2022) | Final Closing Disclosure provided on 10/XX/2022 did not disclose an accurate Index as reflected on the Note. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421675 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 10/XX/2022 are overdisclosed. (Final/10/XX/2022) | Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 10/XX/2022 are overdisclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421676 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2654730) | Final Closing Disclosure provided on 10/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421677 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2654731) | Final Closing Disclosure provided on 10/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421678 | compliance | 2 | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2654730) | Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421679 | compliance | 2 | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2654731) | Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421680 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/10/XX/2022) | Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421681 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/10/XX/2022) | Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451170 | Upsize | XXX | XXX | XXX | 34421682 | compliance | 2 | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (Final/10/XX/2022) | Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450651 | Upsize | XXX | XXX | XXX | 34421699 | credit | 2 | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $XXX is greater than Guideline total cash-out of $XXX. |  |  |  |  | 10/XX/2022 |  | MO | Refinance - Cash-out - Other | Primary | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Safe Harbor QM (43-Q) |  | 2025/XX/06: Comp factors used to waive exception. |
| 6452450196 | Upsize | XXX | XXX | XXX | 34421700 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14557763) | Missing gap of employment letter from the borrower. |  |  |  | 10/XX/2022 |  | MN | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: Loan has been re designated at client request |
| 6452450196 | Upsize | XXX | XXX | XXX | 34421701 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14557764) | Missing gap of employment letter for the borrower. |  |  |  | 10/XX/2022 |  | MN | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: Loan has been re designated at client request |
| 6452450196 | Upsize | XXX | XXX | XXX | 34421702 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2022) |  |  |  |  | 10/XX/2022 |  | MN | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450196 | Upsize | XXX | XXX | XXX | 34421703 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Missing gap of employment letter from the borrower. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 10/XX/2022 |  | MN | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: Loan has been re designated at client request |
| 6452450196 | Upsize | XXX | XXX | XXX | 34421705 | compliance | 2 | TRID Final Closing Disclosure Mortgage Insurance Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2659333) | Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2022 | 10/XX/2023 | MN | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450196 | Upsize | XXX | XXX | XXX | 34421706 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 10/XX/2022 |  | MN | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451196 | Upsize | XXX | XXX | XXX | 34421709 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 11/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/11/XX/2022) | Loan term is of 30 years, Note document shows 360 months which include 1 year of Interest only period due to Construction Permanent. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451196 | Upsize | XXX | XXX | XXX | 34421710 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 11/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/11/XX/2022) | Loan term is of 30 years, Note document shows 360 months which include 1 year of Interest only period due to Construction Permanent. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451196 | Upsize | XXX | XXX | XXX | 34421711 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 11/XX/2022 are overdisclosed. (Final/11/XX/2022) | Final Closing disclosure page 1 lists escrows as $XXX+$896.59 total $XXX, however page 4 total states $XXX annually which comes monthly $XXX. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451196 | Upsize | XXX | XXX | XXX | 34421712 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2654962) | Final Closing Disclosure provided on 11/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan due Subject Transaction is 1 year Interest only due to Construction Permanent. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451196 | Upsize | XXX | XXX | XXX | 34421713 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2654963) | Final Closing Disclosure provided on 11/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan due Subject Transaction is 1 year Interest only due to Construction Permanent. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451196 | Upsize | XXX | XXX | XXX | 34421714 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 11/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/11/XX/2022) | Final Closing Disclosure provided on 11/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2022 | 11/XX/2023 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421719 | credit | 1 | Purchase contract date not provided. |  | Purchase contract not provided |  |  |  | 5/XX/2023 |  | MO | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/21: Construction contract uploaded. | 2025/XX/21: Received |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421720 | compliance | 2 | TRID Final Closing Disclosure AIR Table Index | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 05/XX/2023 did not disclose an accurate Index as reflected on the Note. (Final/05/XX/2023) | Adjustable Interest Rate Table Final Closing Disclosure provided on 05/XX/2023 did not disclose an accurate Index as reflected on the Note |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421721 | compliance | 2 | TRID Final Closing Disclosure AP Table Interest Only Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 05/XX/2023 incorrectly disclosed whether the loan contains Interest Only Payments. (Final/05/XX/2023) | Adjustable Payment Table: Final Closing Disclosure provided on 05/XX/2023 incorrectly disclosed whether the loan contains Interest Only Payments. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421722 | compliance | 2 | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 05/XX/2023 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/05/XX/2023) | Final closing disclosure disclosed payment stream 4 Estimated Total Monthly payment Maximum at $XXX. However payment is calculating at $XXX |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421723 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2023 are overdisclosed. (Final/05/XX/2023) | Escrowed Property Costs over Year 1 of $XXX is over disclosed. Monthly Taxes ($XXX) and Insurance ($XXX) totaling $XXX. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421725 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2658119) | Final closing disclosure disclosed payment stream 3 Estimated Total Monthly payment Maximum at $XXX. However payment is calculating at $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421726 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2658120) | Final closing disclosure disclosed payment stream 4 Estimated Total Monthly payment at $XXX. However payment is calculating at $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421727 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2658119) | Final closing disclosure disclosed payment stream 3 Estimated Total Monthly payment at $XXX. However payment is calculating at $XXX. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421728 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2658120) | Final closing disclosure disclosed payment stream 2 Estimated Total Monthly payment at $XXX. However payment is calculating at 4446.60. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421729 | compliance | 2 | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2023 are overdisclosed. (Final/05/XX/2023) | Based on appraisal provided HOA dues are $XXX per year $XXX monthly. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421730 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Starting In | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2023 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/05/XX/2023) | First payment adjustment does not match the due date for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449832 | Upsize | XXX | XXX | XXX | 34421731 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2023 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/05/XX/2023) | Data updated as per Final Closing Disclosure provided on 05/XX/2023 |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2023 | 5/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450844 | Upsize | XXX | XXX | XXX | 34421733 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2023 are overdisclosed. (Final/09/XX/2023) | Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2023 are over disclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450844 | Upsize | XXX | XXX | XXX | 34421734 | compliance | 2 | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2023 are overdisclosed. (Final/09/XX/2023) | Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2023 are over disclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450844 | Upsize | XXX | XXX | XXX | 34421735 | compliance | 2 | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2023 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/09/XX/2023) | The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450844 | Upsize | XXX | XXX | XXX | 34421736 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2023 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/09/XX/2023) | The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450844 | Upsize | XXX | XXX | XXX | 34421737 | compliance | 2 | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2023 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (Final/09/XX/2023) | The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450844 | Upsize | XXX | XXX | XXX | 34421738 | compliance | 2 | TRID Final Closing Disclosure Payment Max Amount In Year | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2023 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (Final/09/XX/2023) | The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450844 | Upsize | XXX | XXX | XXX | 34421739 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2023 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2655213) | The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450844 | Upsize | XXX | XXX | XXX | 34421740 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2023 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2655214) | The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450844 | Upsize | XXX | XXX | XXX | 34421741 | compliance | 2 | TRID Final Closing Disclosure AIR Table Subsequent Change Frequency | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 09/XX/2023 disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (Final/09/XX/2023) | The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2023 | 9/XX/2024 | MO | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450734 | Upsize | XXX | XXX | XXX | 34421754 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA disaster area. A post disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 12/XX/2016 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452450734 | Upsize | XXX | XXX | XXX | 34421755 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:18451/11/XX/2016) | Verification of appraisal was delivered to borrower not provided in file. |  |  |  | 12/XX/2016 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452451221 | Upsize | XXX | XXX | XXX | 34421761 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 3/XX/2017 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor. |
| 6452451221 | Upsize | XXX | XXX | XXX | 34421762 | credit | 2 | REO Documents are missing. | Address: XXX, Insurance Verification, Statement, Tax Verification |  |  |  |  | 3/XX/2017 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor . |
| 6452449659 | Upsize | XXX | XXX | XXX | 34421774 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date. |  |  |  | 5/XX/2017 |  | RI | Purchase | Investment | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452449659 | Upsize | XXX | XXX | XXX | 34421775 | credit | 2 | Income Docs Missing: | Borrower: XXX 1065 (2016), K-1 (2016), P&L Statement | The 1065 (2016), K-1 (2016), and year-to-date P&L Statement were not received for Kenyon Law Associates. Also, missing a year-to-date P&L for XXX. |  |  |  | 5/XX/2017 |  | RI | Purchase | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449615 | Upsize | XXX | XXX | XXX | 34421804 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is not provided. |  |  |  | 1/XX/2018 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factor. |
| 6452449615 | Upsize | XXX | XXX | XXX | 34421805 | compliance | 1 | C-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (C-Corp). (XXX XXX/C-Corp 1120) | Self-employed income documentation not sufficient (C-Corp). (XXX XXX/C-Corp 1120) |  |  |  | 1/XX/2018 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: See attached 1120s that were signed at closing. P&L. We agree that P&L was not signed. Compensating Factors In same line of work for 15 years. 51% CLTV. Lower housing payment.<br>2025/XX/14: This is a C corp. Balance sheet would not be required 4. General Documentation Requirements for Self-Employed Consumers.<br>Self-employed consumers must provide the following documentation:<br>a. Signed, dated individual tax returns, with all applicable tax schedules for the most recent two years;<br>b. For a corporation, "S" corporation, or partnership, signed copies of Federal business income tax returns for the last two years, with all applicable tax schedules; and<br>c. Year to date profit and loss (P&L) statement and balance sheet. | 2025/XX/12: Per standard Appendix Q guidelines, missing a YTD balance sheet<br>2025/XX/14: Client restates designation to Non-QM |
| 6452449615 | Upsize | XXX | XXX | XXX | 34421807 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 1/XX/2018 | 1/XX/2019 | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449615 | Upsize | XXX | XXX | XXX | 34421808 | compliance | 1 | QM Employment History - Current Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/14686929) | Verified data updated as per provided documents. |  |  |  | 1/XX/2018 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/14: Client restates designation to Non-QM |
| 6452449615 | Upsize | XXX | XXX | XXX | 34421809 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2018 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: See attached 1120s that were signed at closing. P&L. We agree that P&L was not signed. Compensating Factors In same line of work for 15 years. 51% CLTV. Lower housing payment. | 2025/XX/12: Per standard Appendix Q guidelines, missing a YTD balance sheet<br>2025/XX/14: Client restates designation to Non-QM |
| 6452449615 | Upsize | XXX | XXX | XXX | 34421810 | compliance | 2 | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 01/XX/2018 not received by borrower at least four (4) business days prior to closing. (Interim/01/XX/2018) | Verified data updated as per provided documents. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2018 | 1/XX/2019 | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449615 | Upsize | XXX | XXX | XXX | 34421811 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  | 1/XX/2018 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449615 | Upsize | XXX | XXX | XXX | 34421812 | compliance | 1 | Appendix Q Liabilities – Invalid Exclusion Basis | Qualified Mortgage (Dodd-Frank 2014): One or more liabilities have been excluded from DTI calculation for a prohibited reason. | PSW in file for the exclusion of the deferred student loan payments. |  |  |  | 1/XX/2018 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/14: Client restates designation to Non-QM |
| 6452449615 | Upsize | XXX | XXX | XXX | 34421813 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2018 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450743 | Upsize | XXX | XXX | XXX | 34421824 | compliance | 2 | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Right to Receive a Copy of appraisal is not provided to applicant within three (3) business days of application. |  | There is generally no Assignee Liability. |  | 2/XX/2018 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452450952 | Upsize | XXX | XXX | XXX | 34421845 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 12/XX/2019 |  | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factor. |
| 6452450952 | Upsize | XXX | XXX | XXX | 34421846 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) | Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) |  |  |  | 12/XX/2019 |  | MA | Purchase | Second Home | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/14: Client restates designation to Non-QM |
| 6452450952 | Upsize | XXX | XXX | XXX | 34421847 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2019 |  | MA | Purchase | Second Home | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/14: Client restates designation to Non-QM |
| 6452450952 | Upsize | XXX | XXX | XXX | 34421849 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | The Recording fee was previiously disclosed to the borrower on the Loan estimate as $XXX but it increased on the closing disclosure as $XXX with no cure provided to the borrower. Insufficient or no cure was provided to the borrowe |  |  |  | 12/XX/2019 | 12/XX/2020 | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450952 | Upsize | XXX | XXX | XXX | 34421850 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | The Credit report fee was previiously disclosed to the borrower on the Loan estimate as $XXX but it increased on the closing disclosure as $XXX with no cure provided to the borrower. Insufficient or no cure was provided to the borrowe |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2019 | 12/XX/2020 | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450952 | Upsize | XXX | XXX | XXX | 34421851 | compliance | 2 | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/12/XX/2019) | Loan Disclosures: Final Closing Disclosure provided on 12/XX/2019 incorrectly disclosed whether the loan will have an escrow account. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2019 | 12/XX/2020 | MA | Purchase | Second Home | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450952 | Upsize | XXX | XXX | XXX | 34421853 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2019 |  | MA | Purchase | Second Home | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450647 | Upsize | XXX | XXX | XXX | 34421935 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 4/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450647 | Upsize | XXX | XXX | XXX | 34421937 | credit | 2 | This loan closed during the COVID-19 affected timeframe. Asset Account date is more than 60 days prior to the Note date or notary date. | Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX Note Date: 04/XX/2020; Notary Date: 04/XX/2020 |  |  |  |  | 4/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Temporary SHQM (GSE/Agency Eligible) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450472 | Upsize | XXX | XXX | XXX | 34421970 | credit | 2 | REO Documents are missing. | Address: XXX, MA Statement | Provide Mortgage statement for the property XXX, rental property is missing. |  |  |  | 5/XX/2020 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450472 | Upsize | XXX | XXX | XXX | 34421972 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The Qualification Method used by the lender does not match the ATR payment calculation methods. |  |  |  | 5/XX/2020 |  | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450472 | Upsize | XXX | XXX | XXX | 34421973 | compliance | 2 | Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File | Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest. | Tangible Net Benefit Worksheet is missing in the file. |  | The regulations do not clarify the enforcement provisions of Mass. Gen. L. c. 183. Accordingly, the consequences of a compliance failure remain unclear. In particular, it is probable that a violation of the "borrower's interest" standard can be raised as a defense to, or otherwise impede, foreclosure. Also, it is possible that a violation of the "borrower's interest" standard would constitute a violation of the Massachusetts unfair and deceptive acts and practices statute. |  | 5/XX/2020 | 5/XX/2023 | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450472 | Upsize | XXX | XXX | XXX | 34421974 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/03/XX/2020) | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2020 | 5/XX/2021 | MA | Refinance - Cash-out - Other | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450074 | Upsize | XXX | XXX | XXX | 34422006 | compliance | 2 | TILA NMLSR - Individual Originator License Status Not Approved | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. |  |  |  |  | 7/XX/2020 | 7/XX/2023 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450074 | Upsize | XXX | XXX | XXX | 34422007 | compliance | 2 | Massachusetts Late Charge Percent Testing | Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%. |  |  |  |  | 7/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450074 | Upsize | XXX | XXX | XXX | 34422010 | compliance | 2 | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. | ARM loan program disclosure not provided to the borrower within three (3) days of application. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 7/XX/2020 | 7/XX/2021 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450074 | Upsize | XXX | XXX | XXX | 34422011 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 7/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450682 | Upsize | XXX | XXX | XXX | 34422013 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 6/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450682 | Upsize | XXX | XXX | XXX | 34422014 | compliance | 1 | Commission History less than one year | Qualified Mortgage (Dodd-Frank 2014): Commission income earned for less than one (1) year not considered effective income and no valid exceptions. (XXX XXX/Commission) |  |  |  |  | 6/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: We agree. Qualified on base income and on half of commission. DTI would be 50.8 with just base income. Solid Credit, Large 40% downpayment and XXX in reserves. | 2025/XX/02: Lender provided justification. Exception is clear. |
| 6452450682 | Upsize | XXX | XXX | XXX | 34422015 | compliance | 1 | Commission Paystub Timing | Qualified Mortgage (Dodd-Frank 2014): Commission income. Missing date of most recent paystub. (XXX XXX/Commission) |  |  |  |  | 6/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: We agree. Qualified on base income and on half of commission. DTI would be 50.8 with just base income. Solid Credit, Large 40% downpayment and XXX in reserves. | 2025/XX/02: Income verification provided. Exception is clear. |
| 6452450682 | Upsize | XXX | XXX | XXX | 34422016 | compliance | 1 | Commission Tax Documentation | Qualified Mortgage (Dodd-Frank 2014): Commission income missing two years consecutive signed tax returns or tax transcripts (XXX XXX/Commission) |  |  |  |  | 6/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: We agree. Qualified on base income and on half of commission. DTI would be 50.8 with just base income. Solid Credit, Large 40% downpayment and XXX in reserves.<br>2025/XX/03: We agree<br>2025/XX/06: We agree<br>2025/XX/09: Refer to Buyer. | 2025/XX/02: Lender agrees, Refer to buyer.<br>2025/XX/08: Client agrees with the exception.<br>2025/XX/09: Client agrees with the exception.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452450682 | Upsize | XXX | XXX | XXX | 34422017 | compliance | 1 | QM Employment History - Current and/or Previous Employment Documentation lacks Date Info | Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14686994) | Borrower has less than two years of employment and was in college previously. |  |  |  | 6/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/14: Client restates designation to Non-QM |
| 6452450682 | Upsize | XXX | XXX | XXX | 34422018 | compliance | 1 | Wages Documentation | Qualified Mortgage (Dodd-Frank 2014): Unable to verity income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) | We have year end summary in file for current and previous year. Borrower has less than two years of employment and was in college previously. |  |  |  | 6/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: We agree borrower was at XXX. Verified via Visa. Attached Employment Letter, 1099, and Visa Application. | 2025/XX/02: Income verification provided. Exception is clear. |
| 6452450682 | Upsize | XXX | XXX | XXX | 34422019 | compliance | 1 | General Ability To Repay Provision Income and Assets - Commission | Ability to Repay (Dodd-Frank 2014): Unable to verify Commission income due to, missing W-2, Paystub, or WVOE. (XXX XXX/Commission) | We have year end summary in file for current and previous year. Borrower has less than two years of employment and was in college previously. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 6/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: We agree borrower was at XXX. Verified via Visa. Attached Employment Letter, 1099, and Visa Application. | 2025/XX/02: Income verification provided. Exception is clear. |
| 6452450682 | Upsize | XXX | XXX | XXX | 34422020 | compliance | 1 | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, missing W-2, Paystub, LES, ETS or WVOE. (XXX XXX/Wages) | We have year end summary in file for current and previous year. Borrower has less than two years of employment and was in college previously. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 6/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: We agree borrower was at XXX. Verified via Visa. Attached Employment Letter, 1099, and Visa Application. | 2025/XX/02: Income verification provided. Exception is clear. |
| 6452450682 | Upsize | XXX | XXX | XXX | 34422022 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | The employment history does not meet Safe Harbor QM requirements which resulted in an ATR failure. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: We agree borrower was at XXX. Verified via Visa. Attached Employment Letter, 1099, and Visa Application.<br>2025/XX/03: Visa states dates in school and graduation / completion of master program.<br>2025/XX/06: Visa states dates in school and graduation / completion of master program. | 2025/XX/02: Lender agrees. Refer to buyer.<br>2025/XX/08: EXCEPTION HISTORY - Exception Detail was updated on 01/XX/2025 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.<br>2025/XX/09: Client agrees with income verification failure.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452450682 | Upsize | XXX | XXX | XXX | 34422024 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2020 |  | MA | Purchase | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450528 | Upsize | XXX | XXX | XXX | 34422027 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 7/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450542 | Upsize | XXX | XXX | XXX | 34422035 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 8/XX/2020 |  | RI | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450542 | Upsize | XXX | XXX | XXX | 34422038 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient, So Please provide COC/Final CD for changed fee amount. |  |  |  | 8/XX/2020 | 8/XX/2021 | RI | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/04: Client elected to waive |
| 6452450542 | Upsize | XXX | XXX | XXX | 34422039 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. |  |  |  | 8/XX/2020 |  | RI | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450542 | Upsize | XXX | XXX | XXX | 34422040 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. |  |  |  | 8/XX/2020 |  | RI | Purchase | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449724 | Upsize | XXX | XXX | XXX | 34422059 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449724 | Upsize | XXX | XXX | XXX | 34422060 | compliance | 2 | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/09/XX/2020) | Initial CD issued 9/XX/2020 and received by the borrower 9/XX/2020 which is less than three business days prior to closing of 9/XX/2020. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2020 | 9/XX/2021 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449724 | Upsize | XXX | XXX | XXX | 34422062 | compliance | 1 | Alimony Child Support Maintenance Income | Qualified Mortgage (Dodd-Frank 2014): Alimony/Child Support/Maintenance income verification requirement not met. (XXX (employer unknown)/Alimony) | Loan is qualified using Safe Harbor QM however compliance is considering loan designation as Non QM. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452449724 | Upsize | XXX | XXX | XXX | 34422063 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX (employer unknown)/Asset Depletion) | Asset depletion was used to qualify the borrower. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452449724 | Upsize | XXX | XXX | XXX | 34422064 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan Designation discrepancy due to use of asset depletion and alimony. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452449724 | Upsize | XXX | XXX | XXX | 34422065 | compliance | 1 | Alimony Child Support Maintenance Continuance | Qualified Mortgage (Dodd-Frank 2014): Alimony/Child Support/Maintenance minimum three (3) year continuance requirement not met. (XXX (employer unknown)/Alimony) | Lender exception for using alimony income with less than three year continuance. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/13: Client restates designation to Non-QM |
| 6452449724 | Upsize | XXX | XXX | XXX | 34422066 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450363 | Upsize | XXX | XXX | XXX | 34422069 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 9/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450363 | Upsize | XXX | XXX | XXX | 34422070 | credit | 2 | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 678 is less than Guideline representative FICO score of 680. | FICO score of 678 is less than Guideline FICO score of 680. |  |  |  | 9/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450574 | Upsize | XXX | XXX | XXX | 34422075 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 10/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450574 | Upsize | XXX | XXX | XXX | 34422076 | credit | 2 | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Verification of Rent (VOR) is missing. |  |  |  | 10/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450574 | Upsize | XXX | XXX | XXX | 34422077 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | 10/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450574 | Upsize | XXX | XXX | XXX | 34422078 | compliance | 2 | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 10/XX/2020 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Corrected Closing Disclosure provided on or after 10/XX/2020 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 10/XX/2020 | 10/XX/2021 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449895 | Upsize | XXX | XXX | XXX | 34422117 | credit | 2 | REO Documents are missing. | Address: XXX, MA Insurance Verification, Tax Verification | Missing Insurance and tax verification for REO XXX. |  |  |  | 10/XX/2020 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452451200 | Upsize | XXX | XXX | XXX | 34422195 | compliance | 1 | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) |  |  |  |  | 7/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/31: 2020, 2019,P&L and CPA Letter Attached. DTI is at 12.512<br>2025/XX/13: Disagree, https://www.consumerfinance.gov/rules-policy/regulations/1026/2021/XX/17/q/, Section 4 says this is just required on an "S" corp or partnership. | 2025/XX/04: The 2021 balance sheet was not provided in the uploaded documents. Please provide for review.<br>2025/XX/14: Client restates designation to Non-QM. |
| 6452451200 | Upsize | XXX | XXX | XXX | 34422196 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 06/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/06/XX/2021) |  |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2021 | 7/XX/2022 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451200 | Upsize | XXX | XXX | XXX | 34422197 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 7/XX/2021 | 7/XX/2022 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451200 | Upsize | XXX | XXX | XXX | 34422198 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Data updated correctly. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/31: 2020, 2019,P&L and CPA Letter Attached. DTI is at 12.512<br>2025/XX/13: Disagree, https://www.consumerfinance.gov/rules-policy/regulations/1026/2021/XX/17/q/, Section 4 says this is just required on an "S" corp or partnership. | 2025/XX/04: The 2021 balance sheet was not provided in the uploaded documents. Please provide for review.<br>2025/XX/14: Client restates designation to Non-QM. |
| 6452451200 | Upsize | XXX | XXX | XXX | 34422200 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 7/XX/2021 |  | MA | Purchase | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449576 | Upsize | XXX | XXX | XXX | 34422240 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 3/XX/2021 |  | CT | Refinance - Rate/Term | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452450836 | Upsize | XXX | XXX | XXX | 34422259 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 3/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450836 | Upsize | XXX | XXX | XXX | 34422260 | compliance | 1 | Income Method of Calculation | Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. (XXX XXX/Schedule C) |  |  |  |  | 3/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/31: Used 2020 Tax Returns as borrower was in the same line of work for 5 years. Borrower became full time in 2019. 2020 reflects full year of full time income. | 2025/XX/05: Income has been corrected to the 2-year average. |
| 6452450836 | Upsize | XXX | XXX | XXX | 34422261 | compliance | 1 | Sole Proprietorship Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) |  |  |  |  | 3/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/31: Used 2020 Tax Returns as borrower was in the same line of work for 5 years. Borrower became full time in 2019. 2020 reflects full year of full time income.<br>2025/XX/13: Disagree, https://www.consumerfinance.gov/rules-policy/regulations/1026/2021/XX/17/q/, Section 4 says this is just required on an "S" corp or partnership. | 2025/XX/05: EXCEPTION HISTORY - Exception Detail was updated on 01/XX/2025 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C)<br>2025/XX/05: File is missing the 2020 Balance Sheet. Please provide for review.<br>2025/XX/14: Client restates designation to Non-QM. |
| 6452450836 | Upsize | XXX | XXX | XXX | 34422262 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | 3/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450836 | Upsize | XXX | XXX | XXX | 34422264 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/31: Used 2020 Tax Returns as borrower was in the same line of work for 5 years. Borrower became full time in 2019. 2020 reflects full year of full time income.<br>2025/XX/13: 379.46 is primary loss is netted in borrower's rental income listed on 1003 (other income). 1003 was signed by borrower indicating their intent to use their vacated primary as an investment property. Exception was approved to use one year tax return to qualify | 2025/XX/05: Loan designation remains ATR Fail due to a DTI of 45.09% and missing the 2020 Balance Sheet.<br>2025/XX/14: Client restates designation to Non-QM. |
| 6452450836 | Upsize | XXX | XXX | XXX | 34422265 | compliance | 1 | QM DTI | Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. | Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. |  | Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. |  | 3/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/31: DTI is 39.798. See attached final 1008<br>2025/XX/13: 379.46 is primary loss is netted in borrower's rental income listed on 1003 (other income). 1003 was signed by borrower indicating their intent to use their vacated primary as an investment property. Exception was approved to use one year tax return to qualify | 2025/XX/05: Calculated DTI is 45.09%, which exceeds the Appendix Q maximum DTI of 43.00%. DTI increased due to the borrower's income must be averaged over 2 years per Appendix Q and the 2-year verified income is $XXX. In addition, the final 1008 did not include the monthly expenses of $XXX for the borrower's retained departure residence. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM. |
| 6452450836 | Upsize | XXX | XXX | XXX | 34422267 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14716631) | Borrower had a job gap between self-employment from 01/XX/2019 to 08/XX/2019 which is greater than 30 days. File is missing the borrower's job gap explanation letter as required by Appendix Q. |  |  |  | 3/XX/2021 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/13: We do not see a gap. See attached showing borrower has been employed since June of 2016 | 2025/XX/14: Client restates designation to Non-QM. |
| 6452450836 | Upsize | XXX | XXX | XXX | 34422268 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 3/XX/2021 |  | MA | Purchase | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450859 | Upsize | XXX | XXX | XXX | 34422289 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is not provided. |  |  |  | 5/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450568 | Upsize | XXX | XXX | XXX | 34422291 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2021) |  |  |  |  | 3/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452450568 | Upsize | XXX | XXX | XXX | 34422292 | credit | 2 | REO Documents are missing. | Address: XXX, MA Statement |  |  |  |  | 3/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450568 | Upsize | XXX | XXX | XXX | 34422293 | property | 2 | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: 03/XX/2021 |  |  |  |  | 3/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/04: Client elected to waive |
| 6452451099 | Upsize | XXX | XXX | XXX | 34422295 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Calculated loan to value percentage of 75% exceeds Guideline loan to value percentage of 70% with a loan amount greater than $XXX Million |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451099 | Upsize | XXX | XXX | XXX | 34422296 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. | Calculated combined loan to value percentage of 75% exceeds Guideline combined loan to value percentage of 70%, with a loan amount greater than $XXX million |  |  |  | 7/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449692 | Upsize | XXX | XXX | XXX | 34422332 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 10/XX/2018 | Verbal VOE's dated 4/XX/2021 and 4/XX/2021, were not provided within 10 business days of the Note date of 5/XX/2021 |  |  |  | 5/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449692 | Upsize | XXX | XXX | XXX | 34422333 | credit | 2 | Income documentation requirements not met. |  | Verbal VOE's dated 4/XX/2021 and 4/XX/2021, were not provided within 10 business days of the Note date of 5/XX/2021 |  |  |  | 5/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450126 | Upsize | XXX | XXX | XXX | 34422334 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Loan exceeds maximum LTV of 65%. Lender exception in file. |  |  |  | 8/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450126 | Upsize | XXX | XXX | XXX | 34422335 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 70.00000% exceeds Guideline combined loan to value percentage of 65.00000%. | Loan exceeds maximum CLTV of 65%. Lender exception in file. |  |  |  | 8/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449229 | Upsize | XXX | XXX | XXX | 34422337 | credit | 2 | Payment Shock exceeds credit guidelines. | Payment Shock: 277.28452% |  |  |  |  | 6/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449229 | Upsize | XXX | XXX | XXX | 34422338 | credit | 2 | REO Documents are missing. | Address: XXX, MA, Address: XXX, MA Insurance Verification, Tax Verification<br> Insurance Verification, Tax Verification |  |  |  |  | 6/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449229 | Upsize | XXX | XXX | XXX | 34422339 | credit | 2 | REO Documents are missing. | Address: XXX, MA Insurance Verification, Tax Verification |  |  |  |  | 6/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451009 | Upsize | XXX | XXX | XXX | 34422346 | credit | 2 | REO Documents are missing. |  |  |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451009 | Upsize | XXX | XXX | XXX | 34422347 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451009 | Upsize | XXX | XXX | XXX | 34422348 | credit | 2 | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 67.01477% exceeds Guideline total debt ratio of 50.00000%. | Guideline Requirement: Investor qualifying total debt ratio discrepancy. Lenders calculation does not include negative cash flow from the investment properties. |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451009 | Upsize | XXX | XXX | XXX | 34422349 | credit | 2 | REO Documents are missing. | Address: XXX, MA, Address: XXX, MA Statement<br> Statement | Mortgage statement not provided for property located on XXX. Please provide for review |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451009 | Upsize | XXX | XXX | XXX | 34422350 | credit | 2 | AUS/Guideline Findings: All conditions were not met |  | Guideline conditions were not met |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451009 | Upsize | XXX | XXX | XXX | 34422351 | credit | 2 | Asset documentation requirements not met. |  | Asset documentation requirements not met. 2 months of statements are required. |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452451009 | Upsize | XXX | XXX | XXX | 34422352 | credit | 2 | Income documentation requirements not met. |  | Income documentation requirements not met |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450332 | Upsize | XXX | XXX | XXX | 34422355 | credit | 2 | Mismatch of data related to Occupancy. | Borrower: XXX Occupancy: Investment; Declarations/Will borrower occupy: Yes | Occupancy status is showing investment however declarations/will borrower occupy showing as Yes in final 1003 for co- borrower. |  |  |  | 6/XX/2021 |  | RI | Purchase | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450332 | Upsize | XXX | XXX | XXX | 34422356 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in a FEMA Disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 6/XX/2021 |  | RI | Purchase | Investment | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452450332 | Upsize | XXX | XXX | XXX | 34422357 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Calculated LTV is exceeding the guideline limit. |  |  |  | 6/XX/2021 |  | RI | Purchase | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452450332 | Upsize | XXX | XXX | XXX | 34422358 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | Calculated CLTV is exceeding the guideline limit. |  |  |  | 6/XX/2021 |  | RI | Purchase | Investment | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449327 | Upsize | XXX | XXX | XXX | 34422359 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | The subject property is located in FEMA disaster area. A post-disaster inspection verifying there was no damage to the subject property is required. |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452449327 | Upsize | XXX | XXX | XXX | 34422360 | credit | 2 | REO Documents are missing. | Address: XXX, MA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA Statement<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification, Tax Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification | Missing Mortgage statement for REO properties listed Below<br> XXX, MA<br> XXX, GA<br> XXX, GA<br> XXX, GA<br> XXX, GA:<br> XXX, GA<br> XXX, GA<br> XXX, GA |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449327 | Upsize | XXX | XXX | XXX | 34422361 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 04/XX/2012 | Verification(s) of employment is not within 10 business days of the Note. |  |  |  | 6/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449682 | Upsize | XXX | XXX | XXX | 34422380 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449682 | Upsize | XXX | XXX | XXX | 34422381 | credit | 2 | The verification of employment is required and was not found in file. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2009 | The file is missing the verbal verification of employment obtained within ten business days of closing. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449682 | Upsize | XXX | XXX | XXX | 34422382 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2009 | The file is missing the verbal verification of employment obtained within ten business days of closing. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449682 | Upsize | XXX | XXX | XXX | 34422383 | credit | 2 | Income documentation requirements not met. |  | The file is missing the borrower's paystub and W-2. Please provide for review. |  |  |  | 7/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factor |
| 6452449389 | Upsize | XXX | XXX | XXX | 34422455 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent is missing in file. |  |  |  | 8/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449389 | Upsize | XXX | XXX | XXX | 34422456 | credit | 2 | REO Documents are missing. | Address: XXX, MA Statement | Mortgage Statement is missing for property located at XXX, MA XXX. |  |  |  | 8/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450299 | Upsize | XXX | XXX | XXX | 34422457 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is not provided. |  |  |  | 8/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450299 | Upsize | XXX | XXX | XXX | 34422458 | credit | 2 | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXX // Account Type: Checking / Account Number: XXX | Required 2 months consecutive bank statement for XXX account number XXX. |  |  |  | 8/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450299 | Upsize | XXX | XXX | XXX | 34422459 | credit | 2 | AUS Findings: Available for Reserves discrepancy. | Calculated Available for Reserves of $XXX is less than AUS Available for Reserves of $XXX. |  |  |  |  | 8/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450186 | Upsize | XXX | XXX | XXX | 34422464 | credit | 2 | REO Documents are missing. | Address: XXX, MA Statement |  |  |  |  | 8/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449418 | Upsize | XXX | XXX | XXX | 34422485 | credit | 2 | Mismatch of data related to Occupancy. | Borrower: XXX Occupancy: Investment; Declarations/Will borrower occupy: Yes |  |  |  |  | 11/XX/2021 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450780 | Upsize | XXX | XXX | XXX | 34422498 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 11/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450780 | Upsize | XXX | XXX | XXX | 34422500 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM disclosure not provided. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 11/XX/2021 | 11/XX/2022 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/04: Client elected to waive |
| 6452450780 | Upsize | XXX | XXX | XXX | 34422501 | credit | 2 | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 634 is less than Guideline representative FICO score of 680. | FICO score of 634 is less than Guideline representative FICO score of 680. |  |  |  | 11/XX/2021 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Safe Harbor QM (APOR) |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450285 | Upsize | XXX | XXX | XXX | 34422506 | credit | 2 | REO Documents are missing. | Address: XXX HOA Verification, Insurance Verification |  |  |  |  | 10/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452450285 | Upsize | XXX | XXX | XXX | 34422507 | credit | 2 | REO Documents are missing. | Address: XXX, NY HOA Verification |  |  |  |  | 10/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479078 | compliance | 1 | (Missing Doc) Incomplete loan images/file |  | The file is missing one or more of the core documents required for a review. Please provide a Note, Security Instrument, initial 1003, final 1003, an AUS, Approval or 1008, income verification, asset verification, an origination credit report, final Title, and all issued LE's and CD's or TIL's, GFE's and HUD1's. |  |  |  | 11/XX/2020 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2024/XX/26: Refute - Documents loaded to Box in Folder: "Exception Support: Incomplete Loan Images or File" | 2025/XX/04: Sufficient documentation has been provided for initial review. |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479079 | credit | 1 | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX |  |  |  |  | 11/XX/2020 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/17: BPO extract provided with current inspection dates showing no damage. |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479080 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2020) | Evidence of receipt of appraisal 3 days prior to closing is not in file. |  |  |  | 11/XX/2020 |  | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479082 | compliance | 2 | CHARM Booklet Disclosure Status | TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 11/XX/2020 | 11/XX/2021 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479083 | compliance | 1 | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (XXX XXX/S-Corp) | Missing most recent 2 years tax returns signed and dated, and balance sheets. |  |  |  | 11/XX/2020 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/13: Loan is ATR. Tax transcripts instead of signed tax returns were used. Document attached | 2025/XX/17: Loan has been re designated at client request |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479084 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Loan designation discrepancy due to missing most recent 2 years tax returns signed and dated, and balance sheets. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2020 |  | MO | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/13: Loan is ATR. Tax transcripts instead of signed tax returns were used. Document attached | 2025/XX/17: Loan has been re designated at client request |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479086 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2671682) | Escrow discrepancies due to Hazard insurance calculation. Due diligence calculation is higher based on loan data in file. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2020 | 11/XX/2021 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479087 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2671683) | Escrow discrepancies due to Hazard insurance calculation. Due diligence calculation is higher based on loan data in file. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2020 | 11/XX/2021 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479088 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2671684) | Escrow discrepancies due to Hazard insurance calculation. Due diligence calculation is higher based on loan data in file. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2020 | 11/XX/2021 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479089 | compliance | 2 | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2671681) | Escrow discrepancies due to Hazard insurance calculation. Due diligence calculation is higher based on loan data in file. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 11/XX/2020 | 11/XX/2021 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449312 | Upsize | XXX | XXX | XXX | 34479090 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 11/XX/2020 |  | MO | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449429 | Upsize | XXX | XXX | XXX | 34479092 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2021 are overdisclosed. (Final/05/XX/2021) | Escrowed Property Costs over Year 1 year not provided in closing disclosure. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2021 | 5/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449429 | Upsize | XXX | XXX | XXX | 34479097 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2646220) | Closing disclosure Projected payment not matching with Calculated payments. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2021 | 5/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449429 | Upsize | XXX | XXX | XXX | 34479098 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2646221) | Closing disclosure Projected payment not matching with Calculated payments. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2021 | 5/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449429 | Upsize | XXX | XXX | XXX | 34479099 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/05/XX/2021) | Closing disclosure Projected payment not matching with Calculated payments. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2021 | 5/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449429 | Upsize | XXX | XXX | XXX | 34479100 | compliance | 2 | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/04/XX/2021) | Inital loan estimate received on 04/XX/2021 and Application date is 11/XX/2020. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2021 | 5/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449429 | Upsize | XXX | XXX | XXX | 34479101 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX . no Valdi change circumstance in file. |  |  |  | 5/XX/2021 | 5/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449429 | Upsize | XXX | XXX | XXX | 34479102 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 05/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/05/XX/2021) | Final Closing Disclosure provided on 05/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 05/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 5/XX/2021 | 5/XX/2022 | MO | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479108 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Ability To Repay Provision Investor Qualification Method not Matching ATR |  |  |  | 4/XX/2021 |  | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479110 | compliance | 2 | TRID Final Closing Disclosure AP Table Interest Only Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan contains Interest Only Payments. (Final/04/XX/2021) | Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan contains Interest Only Payments due to Construction loan terms. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479111 | compliance | 2 | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/04/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched due to construction terms on loan. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479112 | compliance | 2 | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2647217) | Projected Payment and Term Structure on CD and Note is mismatched due to construction terms on loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479113 | compliance | 2 | TRID Final Closing Disclosure Payment Adjusts Every Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 04/XX/2021 with an increasing payment did not disclose the frequency of adjustments. (Final/04/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched due to construction terms on loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479114 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 did not disclose the periodic principal and interest payment for payment stream 2. (ProjSeq:2/2647217) | Projected Payment and Term Structure on CD and Note is mismatched due to construction terms on loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479115 | compliance | 2 | TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/2647217) | Projected Payment and Term Structure on CD and Note is mismatched due to construction terms on loan. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479116 | compliance | 2 | TRID Interim Closing Disclosure Timing Irregular Transactions Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 04/XX/2021 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Closing Disclosure provided on 04/XX/2021 does not reflect an APR therefore when the final was provided it reflects a change. Initial Closing Disclosure dated 04/XX/2021 reflects same APR as final. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479117 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. |  |  |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479118 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 04/XX/2021 are overdisclosed. (Final/04/XX/2021) |  |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479120 | compliance | 2 | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed the First Change period according to the disclosed Loan Product. (Final/04/XX/2021) | Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed the First Change period according to the disclosed Loan Product. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479121 | compliance | 2 | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2021 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/04/XX/2021) | Final Closing Disclosure provided on 04/XX/2021 disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450246 | Upsize | XXX | XXX | XXX | 34479122 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 04/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/04/XX/2021) | Final Closing Disclosure provided on 04/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 4/XX/2021 | 4/XX/2022 | MN | Refinance - Cash-out - Home Improvement | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451045 | Upsize | XXX | XXX | XXX | 34479123 | compliance | 2 | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2021) | No evidence that borrower received a copy of appraisal 3 business days to closing. |  |  |  | 6/XX/2021 |  | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451045 | Upsize | XXX | XXX | XXX | 34479126 | compliance | 2 | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  | TILA ROR - 3yrs for rescindable transactions. |  | 6/XX/2021 | 6/XX/2024 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451045 | Upsize | XXX | XXX | XXX | 34479128 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2021) | Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451045 | Upsize | XXX | XXX | XXX | 34479129 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. (Final/06/XX/2021) | Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451045 | Upsize | XXX | XXX | XXX | 34479130 | compliance | 2 | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) | Final Lender Credit of -$XXX exceeds tolerance of -$XXX. No valid COC in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451045 | Upsize | XXX | XXX | XXX | 34479131 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7579) | Fee Amount of $XXX exceeds tolerance of $XXX. No valid COC in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451045 | Upsize | XXX | XXX | XXX | 34479132 | compliance | 2 | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | Fee Amount of $XXX exceeds tolerance of $XXX. No valid COC in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 6/XX/2021 | 6/XX/2022 | IL | Refinance - Rate/Term | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449868 | Upsize | XXX | XXX | XXX | 34479133 | compliance | 1 | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/14557081) | Letter of Explanation not provided for Employment Gap. |  |  |  | 5/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Gap was from 6/XX/20 to 8/XX/20. This is just over 30 days. No LOX requested/Covid. | 2025/XX/15: Gap in employment letter is an Appendix Q requirement. Exception remains open.<br>2025/XX/17: Loan has been re designated at client request |
| 6452449868 | Upsize | XXX | XXX | XXX | 34479134 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Letter of Explanation not provided for Employment Gap. |  |  |  | 5/XX/2021 |  | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449868 | Upsize | XXX | XXX | XXX | 34479135 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation mismatch due to Letter of Explanation not provided for Employment Gap. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/07: Gap was from 6/XX/20 to 8/XX/20. This is just over 30 days. No LOX requested/Covid. | 2025/XX/15: Gap in employment letter is an Appendix Q requirement. Exception remains open.<br>2025/XX/17: Loan has been re designated at client request |
| 6452449868 | Upsize | XXX | XXX | XXX | 34479138 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 5/XX/2021 |  | IL | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450764 | Upsize | XXX | XXX | XXX | 34479139 | compliance | 1 | Rental Income Documentation - Schedule E Method Test | Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule E) | Lease agreement not provided. |  |  |  | 6/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/13: 2020 and 2019 tax returns and transcripts uploaded. Since we used the tax returns, Schedule E, for rental income, the lease agreement is not needed. For 2019's tax transcripts Management accepted letter from CPA, amended 2019 return and proof of payment in lieu of 2019 transcripts. | 2025/XX/17: Loan has been re designated at client request |
| 6452450764 | Upsize | XXX | XXX | XXX | 34479140 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Lease agreement not provided for REO, XXX. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2021 |  | IL | Purchase | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/13: 2020 and 2019 tax returns and transcripts uploaded. Since we used the tax returns, Schedule E, for rental income, the lease agreement is not needed. For 2019's tax transcripts Management accepted letter from CPA, amended 2019 return and proof of payment in lieu of 2019 transcripts. | 2025/XX/17: Loan has been re designated at client request |
| 6452450764 | Upsize | XXX | XXX | XXX | 34479143 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Loan has been re designated at client request |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 6/XX/2021 |  | IL | Purchase | Primary | No<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449343 | Upsize | XXX | XXX | XXX | 34479151 | compliance | 2 | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) | Lender Credit Fee was last disclosed as -$$XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 7/XX/2021 | 7/XX/2022 | IL | Purchase | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479160 | credit | 2 | REO Documents are missing. | Address: XXX, IL Insurance Verification, Tax Verification | Investment property taxes and insurance are missing. |  |  |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479161 | compliance | 1 | Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application | Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application. |  |  | "Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $XXX in the case of an individual transaction, or the lesser of $XXX or 1% of the creditor's net worth in the case of a class action (effective 1/XX/14, this amount increases to the lesser of $XXX or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages.<br> Effective 1/XX/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation." |  | 12/XX/2021 | 12/XX/2024 | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: transcripts, profit and loss, proof lender (XXX) was licensed all uploaded. Proof co-borrower is self-employed can see borrower is a XXX (sch c income) and llc search of XXX is also uploaded | 2025/XX/14: Exception cleared. NMLS data updated correctly. |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479162 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Due to missing 1040s not signed and dated. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: transcripts, profit and loss, proof lender (XXX) was licensed all uploaded. Proof co-borrower is self-employed can see borrower is a XXX (sch c income) and llc search of XXX is also uploaded | 2025/XX/22: Transcripts provided, system cleared. |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479163 | compliance | 1 | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (XXX XXX/Schedule C) | Due to following missing documents is required for this employment type: 1) Third Party Verification; 2) CPA Letter; 3) Audited or Third Party Prepared YTD P&L; 4) Most recent transcript or signed/dated tax return (tax year end date no more than 120 days prior to Note Date); 5) Other document where "Reliable Third Party Source Employment" is checked; 6) 1099 |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: transcripts, profit and loss, proof lender (XXX) was licensed all uploaded. Proof co-borrower is self-employed can see borrower is a XXX (sch c income) and llc search of XXX is also uploaded | 2025/XX/22: Third party verification provided, system cleared. |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479164 | compliance | 1 | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (XXX XXX/Schedule C) | Due to following missing documents is required for this employment type: 1) Third Party Verification; 2) CPA Letter; 3) Audited or Third Party Prepared YTD P&L; 4) Most recent transcript or signed/dated tax return (tax year end date no more than 120 days prior to Note Date); 5) Other document where "Reliable Third Party Source Employment" is checked; 6) 1099 |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: transcripts, profit and loss, proof lender (XXX) was licensed all uploaded. Proof co-borrower is self-employed can see borrower is a XXX (sch c income) and llc search of XXX is also uploaded | 2025/XX/22: Third party verification provided, system cleared. |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479165 | compliance | 1 | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXX XXX/Schedule C) | Due to following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) 1099 |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: transcripts, profit and loss, proof lender (XXX) was licensed all uploaded. Proof co-borrower is self-employed can see borrower is a XXX (sch c income) and llc search of XXX is also uploaded | 2025/XX/22: Transcripts provided, system cleared. |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479166 | compliance | 1 | General Ability To Repay Provision Income and Assets - Schedule C | Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (XXX XXX/Schedule C) | Due to following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) 1099 |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: transcripts, profit and loss, proof lender (XXX) was licensed all uploaded. Proof co-borrower is self-employed can see borrower is a XXX (sch c income) and llc search of XXX is also uploaded | 2025/XX/22: Transcripts provided, system cleared. |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479167 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Due to missing 1040s not signed and dated. |  |  |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479168 | compliance | 1 | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Due to missing 1040s not signed and dated. |  |  |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: transcripts, profit and loss, proof lender (XXX) was licensed all uploaded. Proof co-borrower is self-employed can see borrower is a XXX (sch c income) and llc search of XXX is also uploaded | 2025/XX/22: Transcripts provided, system cleared. |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479171 | compliance | 2 | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 12/XX/2021 are overdisclosed. (Final/12/XX/2021) |  |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479172 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 12/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/12/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479173 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/XX/2021 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2654942) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479174 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/12/XX/2021) | Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 12/XX/2021 | 12/XX/2022 | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479175 | credit | 2 | Income documentation requirements not met. |  | Due to following missing documents is required for this employment type: 1) Third Party Verification; 2) CPA Letter; 3) Audited or Third Party Prepared YTD P&L; 4) Most recent transcript or signed/dated tax return (tax year end date no more than 120 days prior to Note Date); 5) Other document where "Reliable Third Party Source Employment" is checked; 6) 1099 |  |  |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479176 | compliance | 1 | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Guideline requirement not met due to 1040s is not signed and dated; Therefore ATR risk failed. |  |  |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: transcripts, profit and loss, proof lender (XXX) was licensed all uploaded. Proof co-borrower is self-employed can see borrower is a XXX (sch c income) and llc search of XXX is also uploaded | 2025/XX/22: Transcripts provided, system cleared. |
| 6452449875 | Upsize | XXX | XXX | XXX | 34479178 | compliance | 1 | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 12/XX/2021 |  | IL | Construction-Permanent | Primary | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/22: Transcripts provided, system cleared. |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479179 | credit | 2 | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. |  |  |  | 1/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479180 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign consent is missing in loan file |  |  |  | 1/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479181 | compliance | 2 | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for the APR calculation and compliance testing. | P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for the APR calculation and compliance testing. |  |  |  | 1/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479182 | compliance | 1 | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 1/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Underwriter used Global Cash Flow for qualifying income. attached the Global Cash Flow and UW income calc to the Sharepoint. I also attached the secretary of state printout as a verbal in case the reviewer was looking for this | 2025/XX/22: Transcripts provided, system cleared. |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479183 | compliance | 1 | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXX XXX/S-Corp) | Unable to verify S-Corp income using reasonably reliable third-party records. (XXX XXX/S-Corp) |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 1/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/08: Underwriter used Global Cash Flow for qualifying income. attached the Global Cash Flow and UW income calc to the Sharepoint. I also attached the secretary of state printout as a verbal in case the reviewer was looking for this | 2025/XX/22: Transcripts provided, system cleared. |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479184 | compliance | 2 | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | The Qualification Method used by the lender does not match the ATR payment calculation methods under 1 |  |  |  | 1/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479185 | compliance | 2 | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 01/XX/2022 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/01/XX/2022) | Final Closing Disclosure provided on 01/XX/2022 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479186 | compliance | 2 | TRID Final Closing Disclosure AP Table Subsequent Changes Test | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 01/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/01/XX/2022) | Final Closing Disclosure provided on 01/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479187 | compliance | 2 | TRID Final Closing Disclosure Balloon Payment Test | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2022 incorrectly disclosed whether the loan contains a Balloon Payment. (Final/01/XX/2022) | Final Closing Disclosure provided on 01/XX/2022 incorrectly disclosed whether the loan contains a Balloon Payment. (Final/01/XX/2022) |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479189 | compliance | 2 | TRID Final Closing Disclosure Payment Interest Only Until | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/01/XX/2022) | Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/01/XX/2022 |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479190 | compliance | 2 | TRID Final Closing Disclosure Payment Max Amount | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (Final/01/XX/2022) | : Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. |  | TILA SOL 1 year from consummation. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479191 | compliance | 2 | TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 01/XX/2022 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2654025) | Final Closing Disclosure provided on 01/XX/2022 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2654025) |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479192 | compliance | 2 | TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed. (Final/01/XX/2022) | Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479193 | compliance | 2 | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/01/XX/2022) | Final Closing Disclosure provided on 01/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. |  | TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479194 | compliance | 2 | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) | no valid changed circumstance available in loan file |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 1/XX/2022 | 1/XX/2023 | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452451209 | Upsize | XXX | XXX | XXX | 34479196 | credit | 2 | The verification of employment is required and was not found in file. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 | The verification of employment is required and was not found in file FOR XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 |  |  |  | 1/XX/2022 |  | MI | Refinance - Rate/Term | Second Home | No<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/18: Compensating Factors for waive and downgrade. |
| 6452450747 | Upsize | XXX | XXX | XXX | 34479238 | credit | 1 | Missing Document: Appraisal not provided |  | Appraisal document is missing for the subject property. |  |  |  | 9/XX/2020 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A | 2024/XX/24: Appraisal Attached<br>2025/XX/03: Appraisal for subject property attached<br>2025/XX/06: Appraisal for subject property attached | 2024/XX/31: Exception Remains - Provided Appraisal is not for subject property. Required appraisal for subject property with report date prior to note date.<br>2025/XX/05: No new documents have been received. Missing appraisal for subject property.<br>2025/XX/08: Appraisal provided. Exception cleared. |
| 6452450747 | Upsize | XXX | XXX | XXX | 34479239 | credit | 1 | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX |  |  |  |  | 9/XX/2020 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | N/A |  | 2025/XX/07: Client provided BPO extract with current dates and indicating no damage. |
| 6452450747 | Upsize | XXX | XXX | XXX | 34479240 | credit | 2 | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 60.00000%. |  |  |  |  | 9/XX/2020 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452450747 | Upsize | XXX | XXX | XXX | 34479241 | credit | 2 | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 60.00000%. |  |  |  |  | 9/XX/2020 |  | MA | Refinance - Cash-out - Other | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479242 | credit | 1 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement |  |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: E-Sign Consent Agreement Attached | 2025/XX/03: Exception cleared - E-Sign Consent Agreement received in file. |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479243 | credit | 2 | REO Documents are missing. | Address: XXX, FL Insurance Verification | Evidence of insurance verification is not in file. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Non QM | 2025/XX/02: P&S agreement for XXX attached. No MTG on XXX. Tax Payments Verified. HOI not required. Low DTI 16.835. See HUD 1 confirming borrower paid cash for property | 2025/XX/03: Exception Remains - We have received Purchase contract for the XXX, FL. Provide the signed closing statement or final closing disclosure to evidence the property has been sold.<br>2025/XX/06: EXCEPTION HISTORY - Exception Detail was updated on 01/XX/2025 PRIOR Exception Detail: Address: XXX, FL, Address: XXX, FL<br> EXCEPTION HISTORY - Exception Explanation was updated on 01/XX/2025 PRIOR Exception Explanation: Insurance Verification<br> Insurance Verification<br>2025/XX/15: Client elects to waive with compensating factors. |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479244 | compliance | 1 | XXX Assets | Qualified Mortgage (Dodd-Frank 2014): Documentation to support XXX income requirement not met. (XXX XXX/Schedule D) | Signed tax returns including Schedule D are not in file. Copies provided are signed at closing. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: See attached 2019 and 2018 Tax Transcripts | 2025/XX/06: Upon further review this exception has been cleared. |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479245 | compliance | 1 | XXX Tax Returns | Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate XXX or Losses requirement not met. (XXX XXX/Schedule D) | Signed tax returns including Schedule D are not in file. Copies provided are signed at closing. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: See attached 2019 and 2018 Tax Transcripts | 2025/XX/06: Upon further review this exception has been cleared. |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479246 | compliance | 1 | Commission History less than one year | Qualified Mortgage (Dodd-Frank 2014): Commission income earned for less than one (1) year not considered effective income and no valid exceptions. (XXX XXX/Commission) | Lender used a more conservative calculation per lender exception in file. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Large reserves of XXX. We used conservative income calculation and documented borrowers future intentions with LOX attached.<br>2025/XX/13: Removing coborrower commission income out of the file DTI is 17.8. Additionally XXX in reserves. | 2025/XX/06: Co-borrower was qualified with a monthly commission income which was only verified with a current paystub. File is missing the 2019 and 2018 W-2's or 1099's to verify 2 years of receipt as required by Appendix Q. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479247 | compliance | 1 | Commission Justification | Qualified Mortgage (Dodd-Frank 2014): Commission income earned for less than two (2) years not justified or documented. (XXX XXX/Commission) | Lender used a more conservative calculation per lender exception in file. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Large reserves of XXX. We used conservative income calculation and documented borrowers future intentions with LOX attached.<br>2025/XX/13: Removing coborrower commission income out of the file DTI is 17.8. Additionally XXX in reserves. | 2025/XX/06: Co-borrower was qualified with a monthly commission income which was only verified with a current paystub. File is missing the 2019 and 2018 W-2's or 1099's to verify 2 years of receipt as required by Appendix Q. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479248 | compliance | 1 | Interest Dividend Income | Qualified Mortgage (Dodd-Frank 2014): Continuation of Interest/Dividend income supported with sufficient verified assets requirement not met. (XXX XXX/Schedule B) | Lender used a more conservative calculation per lender exception in file. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Large reserves of XXX. We used conservative income calculation and documented borrowers future intentions with LOX attached. | 2025/XX/06: Upon further review this exception has been cleared. |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479249 | compliance | 1 | K-1 Documentation | Qualified Mortgage (Dodd-Frank 2014): Required K-1s or signed tax returns/transcripts not provided for K-1 (Less than 25% Ownership) income. (XXX XXX/Schedule K-1 less than 25 Percent) | Signed tax returns including Schedule K1's are not in file. Copies provided are signed at closing. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: See attached 2019 and 2018 Tax Transcripts | 2025/XX/06: Upon further review this exception has been cleared. |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479250 | compliance | 1 | Other Income - Not to be used for qualifying | Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX XXX/Other) | Lender used a more conservative calculation per lender exception in file. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: Large reserves of XXX. We used conservative income calculation and documented borrowers future intentions with LOX attached. | 2025/XX/06: Upon further review this exception has been cleared. |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479251 | compliance | 1 | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2020, Most Recent Tax Return End Date 01/XX/2019, Tax Return Due Date 05/XX/2020. (XXX XXX/Schedule K-1 less than 25 Percent) | File only contains the signature page for the 2020 tax return. Please provide the full 2020 personal tax return for review and upon receipt, additional conditions may apply. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM |  | 2025/XX/14: Client restates designation to Non-QM |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479253 | compliance | 2 | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/08/XX/2020) | Evidence of receipt of Loan Estimate 4 days prior to closing is not in file. |  | TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2020 | 9/XX/2021 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479254 | compliance | 1 | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXX XXX/Schedule K-1 less than 25 Percent) | Signed tax returns including business tax returns are not in file. Copies provided are signed at closing. |  | Assignee Liability: Violations can result in regular TILA damages (actual damages, statutory damages of up to $XXX costs, and attorney's fees) and enhanced damages (an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material). A private right of action may be brought before the end of the three-year period beginning on the date of the occurrence of the violation. However, when a creditor, assignee, or other holder or anyone acting on their behalf initiates a judicial or non-judicial foreclosure, or any other action to collect the debt, a consumer may assert a violation as a matter of defense by recoupment or set-off without regard to a time limit. The amount of recoupment or set-off shall equal the amount to which the consumer would be entitled as regular and/or enhanced damages for a valid claim brought in an original action, plus the costs to the consumer of the action. If judgment is rendered after the expiration of the three-year period, the amount of recoupment or set-off shall not exceed three years of finance charges and fees. An action to enforce a violation may also be brought by the appropriate state AGs. |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: See attached 2019 and 2018 Tax Transcripts | 2025/XX/06: Upon further review this exception has been cleared. |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479256 | compliance | 1 | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail. |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> A | 7/XX/2025 | 1/XX/2025 |  | Yes |  |  | Non QM | 2025/XX/02: See above<br>2025/XX/13: 2020 tax returns or signature pages would not exist at closing. | 2025/XX/06: EXCEPTION HISTORY - Exception Detail was updated on 01/XX/2025 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.<br>2025/XX/06: File only contains the signature page for the 2020 tax return. Please provide the full 2020 personal tax return for review. Exception remains.<br>2025/XX/14: Client restates designation to Non-QM |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479258 | compliance | 2 | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Ten Percent Fee increased without a valid change of circumstance. Cure was not provided at closing. |  |  |  | 9/XX/2020 | 9/XX/2021 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479259 | compliance | 2 | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2020, Most Recent Tax Return End Date 01/XX/2019, Tax Return Due Date 05/XX/2020. (XXX XXX/Schedule K-1 less than 25 Percent) | File only contains the signature page for the 2020 tax return. Please provide the full 2020 personal tax return for review and upon receipt, additional conditions may apply. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452449914 | Upsize | XXX | XXX | XXX | 34479260 | compliance | 2 | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Client restates designation to Non-QM |  | Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> B<br> A | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450657 | Upsize | XXX | XXX | XXX | 34479262 | compliance | 2 | TRID Final Closing Disclosure AIR Table Maximum Interest Rate | TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 09/XX/2020 disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. (Final/09/XX/2020) | Final Closing Disclosure provided on 09/XX/2020 disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. |  | TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. |  | 9/XX/2020 | 9/XX/2021 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450657 | Upsize | XXX | XXX | XXX | 34479264 | compliance | 2 | ARM Disclosure Status Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | ARM loan program disclosure not provided to the borrower. |  | TILA - subject to a 1 year SOL for affirmative claims under TILA |  | 9/XX/2020 | 9/XX/2021 | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 3/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/04: Client elected to waive |
| 6452450657 | Upsize | XXX | XXX | XXX | 34479266 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | The file was missing a copy of the E-Sign Consent Agreement. |  |  |  | 9/XX/2020 |  | MA | Purchase | Primary | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | Non QM |  | 2025/XX/14: Lender elects to waive with compensating factors. |
| 6452449075 | Upsize | XXX | XXX | XXX | 34479275 | credit | 2 | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449075 | Upsize | XXX | XXX | XXX | 34479276 | credit | 2 | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 10.89 is less than Guideline PITIA months reserves of 12.00. | Calculated PITIA months reserves of 10.89 is less than Guideline PITIA months reserves of 12.00. |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449075 | Upsize | XXX | XXX | XXX | 34479277 | credit | 2 | The verification of employment is required and was not found in file. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2016 | VVOE is missing in file for primary borrower's employer as "XXX". |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449075 | Upsize | XXX | XXX | XXX | 34479278 | credit | 2 | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2016 | VVOE is missing in file for primary borrower's employer as "XXX". |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449075 | Upsize | XXX | XXX | XXX | 34479279 | credit | 2 | AUS/Guideline Findings: All conditions were not met |  | 1008 indicates the loan was manually underwritten. |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449075 | Upsize | XXX | XXX | XXX | 34479280 | credit | 2 | Asset documentation requirements not met. |  | 1008 indicates the loan was manually underwritten |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |
| 6452449075 | Upsize | XXX | XXX | XXX | 34479281 | credit | 2 | Income documentation requirements not met. |  | 1008 indicates the loan was manually underwritten |  |  |  | 11/XX/2021 |  | MA | Purchase | Investment | Yes<br> B | 7/XX/2025 | 1/XX/2025 | Yes |  |  |  | N/A |  | 2025/XX/14: Client elects to waive with compensating factors. |

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## Exhibit 99.1

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| **Unique ID** | **Base/Upsize** | **loan id** | **LoanID** | **Seller Loan ID** | **Servicer Loan ID** | **Borrower Name** | **Original Loan Amount** | **State** | **Note Date** | **Application Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Fitch Credit Rating** | **Moody's Credit Rating** | **DBRS Credit Rating** | **S&P Credit Rating** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Fitch Property Rating** | **Moody's Property Rating** | **DBRS Property Rating** | **S&P Property Rating** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Seller Response** | **Compensating Factors** | **Subject to Predatory - Unable to Test** | **Disposition** |
| 6452449854 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 4/XX/2000 | 2/XX/2000 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than 0.125%: Truth In Lending Act: Final TIL APR of 8.69800% is underdisclosed from calculated APR of 8.82519% outside of 0.125% tolerance.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. |  |  |  |  |  | - |
| 6452450267 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | VA | 2/XX/2007 | 1/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450642 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | GA | 3/XX/2004 | 2/XX/2004 | Primary | Refinance Rate/Term |  | 3<br> D |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 2/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 9/XX/2003. |  | SELLER - GENERAL COMMENT (2017/XX/18): Additional HUD provide<br> REVIEWER - GENERAL COMMENT (2017/XX/18): HUD not legible | GENERAL COMMENT (2017/XX/18): Additional HUD provide |  | Yes | TR HUD Deficiency |
| 6452450077 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 3/XX/2006 | 3/XX/2006 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  | [3] Government Documentation - Missing Document: FHA Case Number Assignment not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Closing / Title - Final Title Policy is missing. No evidence of title was found in file.<br> [2] Miscellaneous Compliance - Loan has been identified as FHA/VA |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.<br> [2] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Itemization did not disclose the closing fee of $XXX as a prepaid finance charge. The Lender's TIL reflects MI dropping off after 218 months, however, the audited TIL indicates MI should drop off after 216 months. |  |  |  |  | - |
| 6452450492 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 8/XX/2008 | 7/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  | [3] Government Documentation - Missing Document: FHA Mortgage Insurance Certificate not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [2] Miscellaneous Compliance - Loan has been identified as FHA/VA |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 7/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 6/XX/2008. |  |  |  |  |  | - |
| 6452450809 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 12/XX/2006 | 12/XX/2006 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2006 which is 0 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006. |  |  |  |  |  | - |
| 6452449015 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MD | 8/XX/2007 | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449958 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 06/XX/2005.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine cause of under-disclosure due to missing itemization of amount financed. |  |  |  |  | - |
| 6452450754 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 8/XX/2007 | 8/XX/2007 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  | - |
| 6452450063 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 2/XX/2006 | 1/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 08/XX/2005. |  |  |  |  |  | - |
| 6452449677 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MD | 2/XX/2007 | 1/XX/2007 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 12/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to determine under disclosure due to missing Itemization of Amount Financed. |  |  |  |  | - |
| 6452449901 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2006 | 11/XX/2006 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 11/XX/2006.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. |  |  |  |  |  | - |
| 6452451203 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 8/XX/2007 | 7/XX/2007 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business days from transaction date of 08/XX/2007.<br> [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). |  |  |  |  |  | - |
| 6452451116 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 7/XX/2005 | 6/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business days from transaction date of 07/XX/2005. |  |  |  |  |  | - |
| 6452450014 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | TX | 3/XX/2003 | 3/XX/2003 | Primary | Purchase |  | 2<br> B |  |  |  |  |  | [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003<br> [3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided |  |  |  |  |  | - |
| 6452449635 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MI | 9/XX/2003 | 8/XX/2003 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: It appears a lower Index was used at origination than the 1.22% Index available within the look-back period. |  |  |  |  | - |
| 6452451048 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2005 | 3/XX/2005 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2005. |  |  |  |  |  | - |
| 6452449543 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2005 | 11/XX/2005 | Primary | Refinance Cash-out - Other |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449930 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 9/XX/2003 | 8/XX/2003 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 03/XX/2003.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  |  |  |  | - |
| 6452450801 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MI | 8/XX/2003 | 7/XX/2003 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  | [3] Credit Documentation - Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to borrower.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided: Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not provided to borrower.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 02/XX/2003.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  |  | - |
| 6452449272 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | GA | 11/XX/2006 | 11/XX/2006 | Primary | Purchase |  | 3<br> D |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 11/XX/2006 used as disbursement date for compliance testing.<br> [2] Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. | Closing / Title - (Doc Error) TIL Error: Final TIL not signed by all required parties: TIL in file indicated to be final, expected funding date same as disbursement and/or note date but is not signed or dated by borrower so cannot confirm that borrower received. |  |  |  | Yes | TR Indeterminable |
| 6452450770 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | WI | 10/XX/2007 | 9/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 09/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - |
| 6452450624 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 9/XX/2004 | 8/XX/2004 | Primary | Purchase |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - |
| 6452450109 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MI | 7/XX/2004 | 7/XX/2004 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List Timing): Michigan Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to borrower at the time of application.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2004 which is 0 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - |
| 6452450445 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | WA | 9/XX/2001 | 8/XX/2001 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  | [3] Credit Documentation - Missing Document: Credit Report not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  |  |  |  | - |
| 6452450180 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | TX | 5/XX/2002 | 5/XX/2002 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date:  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature Date. Unable to determine compliance with rescission timing requirements.<br> [2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated. |  |  |  |  |  | - |
| 6452450580 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 1/XX/2003 | 12/XX/2002 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: The under disclosure is payment stream related due to lender's TIL reflecting MI being in force for 126 months, however based on loan amount and appraised value the MI would be in force for 138 months. |  |  |  |  | - |
| 6452450314 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 7/XX/2004 | 6/XX/2004 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. |  |  |  |  |  | - |
| 6452450264 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 1/XX/2005 | 12/XX/2004 | Primary | Purchase |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450595 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 11/XX/2005 | 10/XX/2005 | Second Home | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending Act: Final TIL was not provided to the borrower by closing. |  |  |  |  |  | - |
| 6452449221 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 3/XX/2006 | 2/XX/2006 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  | - |
| 6452450806 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | AZ | 5/XX/2007 | 5/XX/2007 | Primary | Purchase |  | 2<br> B |  |  |  |  |  | [3] Credit Documentation - Missing Document: Credit Report not provided<br> [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - |
| 6452450900 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 9/XX/2007 | 8/XX/2007 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 08/XX/2007 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. |  |  |  |  |  | - |
| 6452450882 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | TX | 12/XX/2007 | 11/XX/2007 | Primary | Purchase |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  | - |
| 6452449552 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 5/XX/2008 | 1/XX/2008 | Primary | Refinance Cash-out - Debt Consolidation |  | 2<br> B |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date: 04/XX/2008 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  |  | - |
| 6452450142 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | WA | 1/XX/2009 | 12/XX/2008 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. |  |  |  |  |  | - |
| 6452449862 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 11/XX/2011 | 10/XX/2011 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note.<br> [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan.<br> [2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.<br> [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage Licensing Act: NMLSR information not present on loan application. |  |  |  |  |  | - |
| 6452450171 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 6/XX/2012 | 2/XX/2012 | Investment | Refinance Rate/Term |  | 1<br> A |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal not provided: Valuation Type: Stated / Valuation Report Date:  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450364 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | TX | 6/XX/2015 | 5/XX/2015 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [2] General - The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.: Investor's qualifying DTI: 25.94132%<br> QM qualifying DTI: 28.85902% | The subject property is located in a FEMA Disaster area. Provide a post-disaster inspection verifying there was no damage to the subject. The inspection must include exterior photos of the subject.<br> Tax certificate (D0190) which shows taxes at an annual amount of $XXX. |  |  |  |  |  |  | [1] Value Discrepancy - Loan is to go in a securitization and reflects only one valuation product when two are required. |  | REVIEWER - GENERAL COMMENT (2020/XX/24): Regraded to EV1 | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Discounted Interest Rate Fully Indexed Rate Inaccurate: Truth in Lending Act (MDIA 2011): The fully-indexed rate on the Final TIL does not match the fully-indexed rate for the loan. | Federal Compliance - CHARM Booklet Disclosure Status: No evidence Borrower received disclosure<br> Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: No evidence Borrower received disclosure<br> Federal Compliance - 2011 TIL-MDIA ARM Introductory Rate Disclosure - Discounted Interest Rate Fully Indexed Rate Inaccurate: The fully-indexed rate on the Final TIL does not match the fully-indexed rate for the loan. Fully indexed rate disclosed on final TIL states 3.019 and system states 3.00. Difference is due to rounding. |  |  |  |  | - |
| 6452449521 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 11/XX/2006 | 10/XX/2006 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to consummation. A lookback was performed to determine this application date. The final date used for testing was 5/XX/2006. |  |  |  |  |  | - |
| 6452450022 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 8/XX/2006 | 8/XX/2006 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Disaster Date: XX/XX/XXXX<br> Inspection Date: XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. |  |  |  |  |  | - |
| 6452449081 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2012 | 3/XX/2012 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  | [3] General - Initial Rate Lock rate date is not documented in file. |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA (2010) – Written Service Provider List Not Provided Timely: RESPA (2010) - Borrower did not receive a list of service providers at the time the Good Faith Estimate was provided. |  |  |  |  |  | - |
| 6452450621 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2012 | 6/XX/2012 | Investment | Refinance Rate/Term |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449013 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2013 | 10/XX/2013 | Investment | Refinance Rate/Term |  | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450753 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 11/XX/2013 | 10/XX/2013 | Investment | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 10/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  |  | - |
| 6452449707 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2012 | 7/XX/2012 | Investment | Purchase |  | 3<br> D |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2012 which is 1 months prior to consummation. A lookback was performed to determine this application date. |  |  |  |  | No | TNR Testing Not Required |
| 6452450971 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 6/XX/2013 | 5/XX/2013 | Primary | Refinance Rate/Term |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd Frank Test: Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer.<br> [2] Federal Compliance - Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor: Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. |  |  |  |  |  | - |
| 6452450159 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2005 | 2/XX/2005 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL itemization did not disclose the sign in fees of $XXX and $XXX subordination recording fee of $XXX and title courier fee of $XXX as prepaid finance charges. HUD disclosed prepaid interest fee as $XXX and itemization disclosed as $XXX. |  |  |  |  | - |
| 6452450219 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 5/XX/1999 | 4/XX/1999 | Primary | Purchase |  | 3<br> D |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3<br> D | [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is unreliable.<br> [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement date not found in file. Security Instrument Notary Date of 05/XX/1999 used as disbursement date for compliance testing.<br> [2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing. | Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Received only page 1 and a HUD addendum, need page 2 of HUD to complete testing. | SELLER - GENERAL COMMENT (2023/XX/18): Full breakdown of final HUD can be found in the Title Insurance Document pages 45-48<br> REVIEWER - GENERAL COMMENT (2023/XX/18): Unclear what specific document the seller is referring to, however SAMC does not accept escrow instructions or other similar documentation in lieu of a complete, fully executed HUD-1. Exception remains. | GENERAL COMMENT (2023/XX/18): Full breakdown of final HUD can be found in the Title Insurance Document pages 45-48 |  | No | TNR Testing Not Required |
| 6452449781 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 2/XX/2014 | 12/XX/2013 | Investment | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Missing Initial Loan Application Compliance Determined Application Date: No evidence of application date located in file. Compliance tests were run using an application date of 12/XX/2013. The source for this date is Initial disclosures. |  |  |  |  |  | - |
| 6452449587 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 7/XX/2013 | 6/XX/2013 | Primary | Refinance Cash-out - Other |  | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Missing Final 1003 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2013 which is 1 months prior to consummation. A lookback was performed to determine this application date.<br> [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO company NMLS license due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test Individual Loan Originator license status due to missing information.<br> [2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan Originator license due to missing information.<br> [2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company status due to missing information.<br> [2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final TIL does not match the date on which the first regular periodic payment will be due and the earliest date on which that rate may apply.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Rate Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest rate on the Final TIL does not match the maximum interest rate that may apply during the first five (5) years of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match the first adjustment date for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest payment on the Final TIL does not match the maximum interest payment that may apply during the first five (5) years of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Principal Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" principal payment on the Final TIL does not match the maximum principal payment that may apply during the first five (5) years of the loan. |  |  |  |  |  | - |
| 6452449114 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2019 | 3/XX/2019 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - ARM Disclosure Timing Test: ARM disclosure provided 3/XX/2019, which was not within 3 days of application.<br> Federal Compliance - CHARM Booklet Disclosure Timing: CHARM disclosure provided 3/XX/2019, which was not within 3 days of application. | REVIEWER - GENERAL COMMENT (2023/XX/13): Document provided cannot be used to clear this condition. Please provide the list of at least 10 counseling agencies, along with date list was obtained. |  |  |  | - |
| 6452450367 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 11/XX/2014 | 9/XX/2014 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [3] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXX // Account Type: Savings / Account Number: XXX | Two months bank statements were not provided as required per the guidelines. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2014)<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: GFE Date: 11/XX/2014 Changed Circumstance not provided for GFE dated 11/XX/2014 from GFE dated 10/XX/2014<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: Changed Circumstance not provided in file.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: Creditor did not provide HUD Settlement Cost Booklet.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial escrow account statement was not provided to the borrower. |  |  |  |  | - |
| 6452450304 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 2/XX/2021 | 1/XX/2021 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] General - Loans with an application date after 10/XX/2020 using a LIBOR Index are not Agency Salable.: Index: LIBOR - 1 Year (Daily); Note Date: 02/XX/2021 | E-sign Consent Agreement not provided. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/01/XX/2021)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7531)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> Federal Compliance - CHARM Booklet Disclosure Timing: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Verification of appraisal was delivered to borrower was not provided<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Flood Certification Fee was not disclosed on Loan Estimate but was disclosed as $XXX on the final CD. File does not a valid COC for this fee cure provided at closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Repot Fee was last disclosed $XXX on LE but disclosed as$XXX on Final CD. File does not contain COC for this file Cure provided at closing | REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3 days of application. |  |  |  | - |
| 6452449531 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 7/XX/2016 | 7/XX/2016 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [3] Guideline Issue - Aged document: Asset Account date is more than 90 days prior to Closing.: Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX, Financial Institution: XXX // Account Type: Stocks / Account Number: XXX<br> [3] Asset Documentation - Asset documentation requirements not met.<br> [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX.<br> [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 48.00.<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 (2014), 1065 (2015), K-1 (2014), K-1 (2015), VVOE - Employment Only, W-2 (2014), W-2 (2015)<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 (2014), 1065 (2015), K-1 (2014), K-1 (2015), VVOE - Employment Only<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 (2014), 1065 (2015), 1099-SSA (2014), 1099-SSA (2015), K-1 (2014), K-1 (2015), VVOE - Employment Only, W-2 (2015), W-2 (2016)<br> [3] Income Documentation - Income documentation requirements not met.<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Statement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, NV Insurance Verification, Lease Agreement, Statement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Statement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Statement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, AZ Insurance Verification, Lease Agreement, Statement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, AZ Insurance Verification, Lease Agreement, Statement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, AZ Insurance Verification, Lease Agreement, Statement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, NV Insurance Verification, Lease Agreement, Statement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Insurance Verification, Lease Agreement, Tax Verification<br> [3] Income Documentation - REO Documents are missing.<br> [3] Income Documentation - REO Documents are missing.<br> [3] Income Documentation - REO Documents are missing.<br> [3] Income Documentation - REO Documents are missing.<br> [3] Income Documentation - REO Documents are missing. | Both accounts exceeds the 90 age of document reflected in the lender guidelines.<br> File is missing sufficient asset documentation to cover funds to close and required extensive reserves due to properties owned.<br> File is missing sufficient assets, all income documents for all borrowers, REO supporting documentation.<br> Borrower's are missing sufficient asset documentation to cover funds to close.<br> Post Disaster Inspection (PDI) document is missing.<br> Borrower has insufficient assets to cover funds to close and extended reserves required.<br> All income documentation is missing for all borrowers. 2015/2014 signed/dated personal and business tax returns and K1's, year to date P&L's/Balance sheets, third party verification dated within 30 days prior to note date, all income documentation for any additional income being used and award letters. Unable to determine all borrowers' income and business structure due to missing documentation.<br> All income documentation is missing for all borrowers. 2015/2014 signed/dated personal and business tax returns and K1's, year to date P&L's/Balance sheets, third party verification dated within 30 days prior to note date, all income documentation for any additional income being used and award letters. Unable to determine all borrowers' income and business structure due to missing documentation.<br> All income documentation is missing for all borrowers. 2015/2014 signed/dated personal and business tax returns and K1's, year to date P&L's/Balance sheets, third party verification dated within 30 days prior to note date, all income documentation for any additional income being used and award letters. Unable to determine all borrowers' income and business structure due to missing documentation.<br> All income documentation is missing for all borrowers. 2015/2014 signed/dated personal and business tax returns and K1's, year to date P&L's/Balance sheets, third party verification dated within 30 days prior to note date, all income documentation for any additional income being used and award letters. Unable to determine all borrowers' income and business structure due to missing documentation.<br> Insurance Verification, Lease Agreement, Statement, Tax Verification document missing for property Address: XXX, AZ<br> Insurance Verification, Lease Agreement, Statement, Tax Verification document missing for property Address: XXX, AZ:<br> Insurance Verification, Lease Agreement, Statement, Tax Verification document missing for property Address: XXX, NV<br> Insurance Verification, Lease Agreement, Statement, Tax Verification document missing for property address XXX, AZ<br> Insurance Verification, Statement, Tax Verification document missing for property address XXX, CA | REVIEWER - GENERAL COMMENT (2023/XX/08): File is missing all personal & business income documentation. Condition remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/08): File is missing all personal & business income documentation. Condition remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/08): File is missing all personal & business income documentation. Condition remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/08): File is missing all personal & business income documentation. Condition remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/08): EXCEPTION HISTORY - Exception Explanation was updated on 09/XX/2023 PRIOR Exception Explanation: Insurance Verification, Lease Agreement, Statement, Tax Verification |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450826 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 6/XX/2020 | 5/XX/2020 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/05/XX/2020)<br> [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 06/XX/2020 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/06/XX/2020)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2020 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. (Final/06/XX/2020)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/06/XX/2020) | Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, was not provided to the borrower.<br> Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements<br> Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: Final Closing Disclosure provided on 06/XX/2020, page (5) missing Lender contact name.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: Loan Terms: Final Closing Disclosure provided on 06/XX/2020 with an increasing payment disclosed the frequency of adjustments that does not match the actual adjustment period for the loan<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing |  |  |  |  | - |
| 6452450511 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 6/XX/2016 | 4/XX/2016 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 05/XX/2016<br> [3] Income Documentation - Income documentation requirements not met. | File is missing documentation verifying the subject property condo is warrantable.<br> The VVOE is not dated within 10 business days of the note date. | SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/21): AUS states to "Perform and document a verbal verification of employmentt for each borrower within 10 business days prior to the note date for all borrowers not using self-employment income for qualifying" Borrower is not self-employed, Guidelines state same requirement for Hourly, Salary and Commission income. Exception remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Unable to clear. Per lender guides, a VVOE dated within 10 days prior to the note date is required. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 05/XX/2016). (Final/05/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on 05/XX/2016 are underdisclosed. (Final/05/XX/2016) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated to Non QM<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing signed and dated initial 1003.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance charge is under disclosed by $XXX. Unable to determine the cause for the under disclosure due to missing the itemization of the amount financed.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - Pre October 2018: HOA costs of $XXX per month were not included in the non-escrowed property costs on page 4 of the CD | REVIEWER - GENERAL COMMENT (2023/XX/25): Missing signed and dated initial application. | GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception |  |  | - |
| 6452449489 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2015 | 2/XX/2015 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing<br> [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer.<br> [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. | Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was locked prior to closing: The only Good Faith Estimate in file reflects the interest rate as not locked.<br> Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: The Affiliated Business Arrangement Disclosure in file is dated 03/XX/2015 which is more than 3 business days after the application date of 02/XX/2015.<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: The RESPA Servicing Disclosure in file is dated 03/XX/2015 which is more than 3 business days after the application date of 02/XX/2015.<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: Borrower was not provided with Right to Receive Appraisal Disclosure.<br> Federal Compliance - Final TIL Finance Charge Under Disclosed: Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX. Variance is $XXX. Lender to provide corrected TIL and copy of letter sent to borrower explaining changes. |  |  |  |  | - |
| 6452449934 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2016 | 3/XX/2016 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2016)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: 10% tolerance was exceeded by $XXX due to increase of title fees. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Loan Discount Points Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. A copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  |  | - |
| 6452450485 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2017 | 7/XX/2017 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause. | The note used for closing is not on a FNMA/FHLMC form. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2017)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/08/XX/2017)<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - ARM Disclosure Compliant Test: Disclosure is missing the date provided.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Disclosure reflecting the list of 10 counselors is missing. |  |  |  |  | - |
| 6452450107 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2017 | 9/XX/2017 | Primary | Refinance Cash-out - Debt Consolidation | Non QM | 2<br> B |  |  |  |  |  | [3] Income Documentation - Income Docs Missing:: Borrower: XXX 1040 - Schedule C (2016) | File is missing 2016 Schedule C for Co-Borrower. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 09/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule C)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/10/XX/2017) | Federal Compliance - ARM Disclosure Timing Test: Application date is 09/XX/2017 and docuemnt was provided on 09/XX/2017.<br> Federal Compliance - CHARM Booklet Disclosure Timing: Application date is 09/XX/2017 and docuemnt was provided on 09/XX/2017.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Loan file contains the one page acknowledgment from Borrowers; however, the actual list containing the required 10 counseling agencies was not provided.<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: File is missing income verification for B2 - 1065 XXX Third Party verification and Schedule C for year 2016.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure Issue Date 2017/XX/26 which is not provided at least three (3) business days prior to closing. |  |  |  |  | - |
| 6452449132 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 1/XX/2018 | 12/XX/2017 | Primary | Purchase | ATR Risk | 3<br> C |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 43.55954% exceeds Guideline total debt ratio of 43.00000%. | May be waived down with compensating factors. |  |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.<br> [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.55954% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. | Federal Compliance - Check Loan Designation Match - ATR Risk: Client elects to restate loan to NonQM.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines: Able to be waived down with compensating factors.<br> Federal Compliance - CHARM Booklet Disclosure Timing: Provide evidence the Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, was provided to the borrower within three (3) days of application.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: List of Homeownership Counseling Organizations was not provided to borrower within three (3) business days of application.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Disclosure: Initial Escrow Account Statement is not provided in file. |  |  |  |  | TILA ATR/QM |
| 6452449908 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2015 | 4/XX/2015 | Investment | Refinance Rate/Term | N/A | 2<br> B |  |  |  |  |  | [3] Income Documentation - REO Documents are missing.: Address: XXX, CA Statement | Mortgage statement missing forXXX, CA. |  |  |  |  |  |  | [3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: 07/XX/2015 | Appraiser's license or certification was not active at the time of the appraisal. |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2015)<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: The Right to Receive Copy of Appraisal Disclosure was not provided to borrower within 3 days of initial application. |  |  |  |  | - |
| 6452450451 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 6/XX/2019 | 5/XX/2019 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organizations is missing in file |  |  |  |  | - |
| 6452450062 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 9/XX/2017 | 8/XX/2017 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E- Sign Consent Document Missing |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: The guidelines require 7/1 ARMS to be qualified using the Note rate, causing the loan to waterfall through the QM Testing. |  |  |  |  | - |
| 6452450755 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2014 | 12/XX/2014 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2014)<br> [2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: GFE Date: 12/XX/2014 Changed Circumstance not provided for GFE dated 12/XX/2014 from GFE dated 11/XX/2014<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: File is missing evidence the borrower received the appraisal at least 3 business days prior to the closing date | REVIEWER - GENERAL COMMENT (2023/XX/25): Missing signed and dated initial application. |  |  |  | - |
| 6452449753 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 6/XX/2017 | 5/XX/2017 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA, Address: XXX, CA, Address: XXX, CA Insurance Verification, Tax Verification<br> Statement<br> Lease Agreement, Statement |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2017)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 03/XX/2017. (XXX XXX/S-Corp)<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule C) | Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2017)<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 03/XX/2017. (XXX XXX/S-Corp)<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule C) |  |  |  |  | - |
| 6452450507 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2016 | 11/XX/2016 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%.<br> [3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided | Per lender guides, for an extended LTV of 80%, borrower must have a 740 fico which they do not have. Max LTV is 75% per lender guides.<br> Purchase Contract is missing in file. Please provide. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2016)<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. | Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet Disclosure is missing in file. Please provide.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial escrow account statement disclosure is missing in file. |  |  |  |  | - |
| 6452450035 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 9/XX/2017 | 8/XX/2017 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [3] Income Documentation - Income Docs Missing:: Borrower: XXX Balance Sheet<br> [3] General - Missing Document: HELOC Agreement not provided<br> [3] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided | Per lender guides, a year to date Balance Sheet through the most recent quarter prior to the note date is required however is missing.<br> The Heloc agreement for the 2nd lien is missing from the file.<br> Second mortgage Note is mssing. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2017)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2017 incorrectly disclosed whether the loan will have an escrow account. (Final/09/XX/2017) | Federal Compliance - ARM Disclosure Timing Test: Date of disclosure or evidence of when borrower received the disclosure is missing.<br> Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on Adjustable-Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of borrowers receipt of the appraisal prior to closing was not provided.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Violation was cured on the PCCD dated 03/XX/2018, however for a full remediation cure, a copy of the letter to the borrower explaining the error is required, however is missing from the file. |  |  |  |  | - |
| 6452449194 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 6/XX/2016 | 5/XX/2016 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing in the file. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2016 disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (Final/06/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 06/XX/2016 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). (Final/06/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2016 with an increasing payment did not disclose the frequency of adjustments. (Final/06/XX/2016)<br> [2] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/XX/2016 disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/06/XX/2016)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/06/XX/2016)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - ARM Disclosure Timing Test: The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date.<br> Federal Compliance - CHARM Booklet Disclosure Status: The file was missing a copy of the executed ARM Disclosure or proof of the borrower's receipt within 3 days of originator application date.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2016 disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: The Contact Information section of the final CD did not disclose the Lender's Contact.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: Final Closing Disclosure provided on 06/XX/2016 with an increasing payment did not disclose the frequency of adjustments<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: Final Closing Disclosure provided on 06/XX/2016 disclosed a Product that does not match the actual product for the loan<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX Insufficient or no cure was provided. |  |  |  |  | - |
| 6452449348 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 4/XX/2016 | 3/XX/2016 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX | BUYER - GENERAL COMMENT (2023/XX/31): Utilized updated BPO to access no damage at property<br> REVIEWER - GENERAL COMMENT (2023/XX/01): BPO inspector unable to access property to determine condition. Finding remains open. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2016 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 04/XX/2016). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX per month threshold. (Final/04/XX/2016) | Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial escrow account statement was not provided to the borrower missing in file<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Post closing CD cured the violation, however for a full remediation, a copy of the letter to the borrower explaining the error would be required. |  |  |  |  | - |
| 6452450676 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 7/XX/2016 | 6/XX/2016 | Primary | Purchase | ATR Fail | 3<br> C |  |  |  |  |  | [3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX<br> Disaster End Date: XX/XX/XXXX<br> Disaster Name: XXX<br> Disaster Declaration Date: XX/XX/XXXX<br> [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 06/XX/2016<br> [3] Income Documentation - Income Docs Missing:: Borrower: XXX, Borrower: XXX Balance Sheet, Third Party Verification<br> Balance Sheet, Third Party Verification<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, CA HOA Verification, Insurance Verification | Latest inspection is prior latest FEMA disaster declaration.<br> Evidence of warrantable condo is missing from file. Missing lender approval.<br> Missing the balance sheet for businesses, XXX, LLC; XXX, LLC; XXX, LLC. Verbal VOE missing for businesses, XXX, LLC. missing 2014 W2 for XXX.<br> Missing for the non-subject REO | BUYER - GENERAL COMMENT (2023/XX/31): Utilized updated BPO to access no damage at property<br> REVIEWER - GENERAL COMMENT (2023/XX/31): The BPO provided does not indicate no damage and there are no photos.<br> REVIEWER - GENERAL COMMENT (2023/XX/01): Trailing docs did not contain any docs to clear this exception.<br> REVIEWER - GENERAL COMMENT (2023/XX/28): Only the 2014 W2 was provided. Condition remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/01): EXCEPTION HISTORY - Exception Explanation was updated on 08/XX/2023 PRIOR Exception Explanation: Balance Sheet, Third Party Verification, W-2 (2014)<br> Balance Sheet, Third Party Verification<br> SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): Concur: unable to locate HOA/insurance verification on XXX.<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains. |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.<br> [3] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/Partnership)<br> [3] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/Partnership)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75117)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - Check Loan Designation Match - ATR: Client elects to restate loan designation to Non QM.<br> Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: This is due to missing the balance sheet for this business and the verbal VOE.<br> Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: This is due to missing the balance sheet for this business and the verbal VOE.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance increased without a valid change of circumstance. Cure was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit report increased without a valid change of circumstance. Cure was not provided at closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal fee increased without a valid change of circumstance. Cure was not provided. | REVIEWER - GENERAL COMMENT (2023/XX/28): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): same as above: Dispute: XXX XXX, XXX, XXX, and XXX . verified active by secretary of state on 7/XX/16 vs. note date 7/XX/16. Balance Sheet as of 5/XX/16 for XXX XXX and Ede<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/05): Self-Employment documentation uploaded.<br> REVIEWER - GENERAL COMMENT (2023/XX/06): Reviewed original file and all trailing docs. The remaining documentation is missing and listed per entity. XXX: year to date Balance sheet. XXX: year to date Balance sheet and third party verification dated within lender required timeframe verifying dates of operation. XXX: year to date Balance Sheet.<br> BUYER - GENERAL COMMENT (2023/XX/12): ATR related docs<br> REVIEWER - GENERAL COMMENT (2023/XX/13): No new documentation provided, exceptions remain.<br> REVIEWER - GENERAL COMMENT (2023/XX/28): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/18): Dispute: XXX XXX, XXX, XXX, and XXX . verified active by secretary of state on 7/XX/16 vs. note date 7/XX/16. Balance Sheet as of 5/XX/16 for XXX XXX and XXX uploaded under Closing Package/MISC/Items to send with Closing Package 8/XX/16 3:56pm.<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Trailing docs did not contain any docs to clear this exception.<br> SELLER - GENERAL COMMENT (2023/XX/05): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/06): Reviewed original file and all trailing docs. The remaining documentation is missing and listed per entity. XXX: year to date Balance sheet. XXX: year to date Balance sheet and third party verification dated within lender required timeframe verifying dates of operation. XXX: year to date Balance Sheet. | GENERAL COMMENT (2023/XX/18): Concur: unable to locate HOA/insurance verification on XXX.<br>GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): same as above: Dispute: XXX XXX, XXX, XXX, and XXX . verified active by secretary of state on 7/XX/16 vs. note date 7/XX/16. Balance Sheet as of 5/XX/16 for XXX XXX and Ede<br>GENERAL COMMENT (2023/XX/18): Dispute: XXX XXX, XXX, XXX, and XXX . verified active by secretary of state on 7/XX/16 vs. note date 7/XX/16. Balance Sheet as of 5/XX/16 for XXX XXX and XXX uploaded under Closing Package/MISC/Items to send with Closing Package 8/XX/16 3:56pm.<br>GENERAL COMMENT (2023/XX/05): Self-Employment documentation uploaded.<br>GENERAL COMMENT (2023/XX/05): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/25): Agree with error<br>GENERAL COMMENT (2023/XX/25): Duplicate and/or waterfall exception |  |  | TILA ATR/QM |
| 6452449124 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 5/XX/2014 | 4/XX/2014 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2009 | Missing Verification of Employment for borrower XXX. | REVIEWER - GENERAL COMMENT (2023/XX/02): WVOE provided is dated 04/XX/2014 and the note date is 05/XX/2014. Condition remains for missing VVOE dated within 10 business days of the note date.<br> SELLER - GENERAL COMMENT (2023/XX/18): VOE for XXX located under VOE uploaded with a completion date 5/XX/14 (page 7 of 13)<br> REVIEWER - GENERAL COMMENT (2023/XX/22): VOE in file is dated 04/XX/2014. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error based on timing, but don't agree that a missing VOE significantly changes ATR impact based on the overall risk & quality of the transaction.<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2014)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Taxes and Insurance Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment on the loan during the first five (5) years of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) years for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest date on which the maximum rate may apply.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Escrow Amount Inaccurate : Truth in Lending Act (MDIA 2011): The "Maximum Ever" amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment that may apply during the life of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum Ever" total payment amount (PITI) on the Final TIL does not match the maximum total payment on the loan during the life of the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.<br> [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. | Federal Compliance - CHARM Booklet Disclosure Status: Missing CHARM Booklet Disclosure.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan redesignated to NonQM.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: As per Appraisal acknowledgement document signed on closing borrower did not select any option.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing signed and dated Initial 1003.<br> Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: Missing HUD Settlement Cost Booklet..<br> Federal Compliance - RESPA - Initial Escrow Account Statement Missing: Initial escrow account statement was not provided to the borrower.<br> Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Taxes and Insurance Inaccurate: Final TIL first five years escrow payment amount of $XXX is less than calculated payment amount of $XXX.<br> Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment (PITI) Inaccurate: Final TIL first five years total payment amount of $XXX is less than calculated payment amount of $XXX. There is a variance of $XXX.<br> Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Escrow Amount Inaccurate : The "Maximum Ever" amount $XXX of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the maximum escrow payment that may apply during the life of the loan.<br> Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Total Payment (PITI) Inaccurate: The "Maximum Ever" total payment amount of (PITI) in the amount of $XXXon the Final TIL does not match the calculated amount of $XXX. There is a variance of $XXX.<br> Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: The amount of taxes and insurance, including any mortgage insurance in the amount of $XXX on the Final TIL does not match the calculated amount of $XXX. There is a variance of $XXX.<br> Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Total payment amount of $XXX(PITI) on the Final TIL does not match the calculated amount of $XXX. There is a variance of $XXX. |  | GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): Funding docs indicate a PITI of $XXX, 1008 reflects sufficient 12 months reserves for the expanded DTI<br>GENERAL COMMENT (2023/XX/18): VOE for XXX located under VOE uploaded with a completion date 5/XX/14 (page 7 of 13)<br>GENERAL COMMENT (2023/XX/05): Unable to find all docs in Default cabinet to validate final assets/reserves (some are still missing from transfer).<br>GENERAL COMMENT (2023/XX/25): Agree with error based on timing, but don't agree that a missing VOE significantly changes ATR impact based on the overall risk & quality of the transaction. |  |  | - |
| 6452450905 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2017 | 2/XX/2017 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450268 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2017 | 9/XX/2017 | Primary | Refinance Cash-out - Other | Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Form 1004C/70B used for incorrect Subject property type.: Valuation Type: Appraisal / Valuation Report Date: 11/XX/2017 Single Family Detached | E-sign Consent Agreement is missing.<br> Appraisal Form 1004C/70B updated as per the document. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2017)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. | REVIEWER - CURED COMMENT (2023/XX/26): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452451113 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2018 | 11/XX/2018 | Primary | Refinance Cash-out - Other | Non QM | 3<br> C |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - Rental Income Documentation - Schedule E Method Test: Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. (XXX/Schedule E)<br> [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2018)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/XX/2018 disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. (Final/12/XX/2018)<br> [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. | Federal Compliance - Check Loan Designation Match - QM: Due to missing income documentation and origination credit report the ability to repay is not supported, causing the loan to waterfall through the QM Testing.<br> Federal Compliance - Rental Income Documentation - Schedule E Method Test: QM requires a lease agreement, which is missing from the loan file, causing the loan to waterfall through the QM Testing.<br> Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower.<br> Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Nothing in the loan file to evidence delivery of the appraisal to the borrower.<br> Federal Compliance - FACTA Disclosure Missing: Creditor did not provide FACTA Credit Score Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Product Testing: General Information: Final Closing Disclosure provided on 12/XX/2018 disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure.<br> Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $XXX may be required. | SELLER - GENERAL COMMENT (2023/XX/18): Missing lease document per finding above.<br> REVIEWER - GENERAL COMMENT (2023/XX/22): No additional documentation provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/22): EXCEPTION HISTORY - Exception Detail was updated on 08/XX/2023 PRIOR Exception Detail: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.<br> SELLER - GENERAL COMMENT (2023/XX/18): Concur, unable to locate lease for property which was a self-rental to the borrower's 100% owned business and therefore the rent is offset by a rental expense for the business.<br> REVIEWER - GENERAL COMMENT (2023/XX/22): No additional documentation provided. Exception remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3 days of application. | GENERAL COMMENT (2023/XX/18): Missing lease document per finding above.<br>GENERAL COMMENT (2023/XX/18): Concur, unable to locate lease for property which was a self-rental to the borrower's 100% owned business and therefore the rent is offset by a rental expense for the business. |  |  | TILA ATR/QM |
| 6452451046 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 9/XX/2015 | 6/XX/2015 | Investment | Refinance Cash-out - Other | N/A | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Approval not provided<br> [3] Application / Processing - Missing Document: Flood Certificate not provided<br> [3] Credit Documentation - Missing Document: Occupancy Certificate not provided<br> [3] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 06/XX/1992 | The Approval document was not provided.<br> Missing Flood Certificate.<br> Occupancy Certificate was not provided.<br> Missing borrower(s) Verification of employment within 10 days of the Note. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Application / Processing - Missing Document: Missing Lender's Initial 1003: Missing signed and dated Initial Loan Application.<br> Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: "Right to Receive a Copy" appraisal disclosure was not provided to borrower(s) within three (3) business days of application. |  |  |  |  | - |
| 6452450134 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2020 | 9/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] General - Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/09/XX/2020)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/10/XX/2020)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7580) | Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet, not provided to the borrower.<br> Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is no evidence the appraisal was provided to the borrower at closing.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: A cure of $XXX was provided at closing. | REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3 days of application.<br> REVIEWER - CURED COMMENT (2023/XX/29): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450097 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2015 | 6/XX/2015 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 06/XX/2015<br> [3] Application / Processing - Missing Document: Approval not provided | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2015)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet Disclosure is required to mitigate this exception.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: As per Appraisal acknowledgement document signed on closing borrower did not select any option<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: File is missing a fully executed initial application.<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA disclosure signed at close 8/XX/2015. | REVIEWER - GENERAL COMMENT (2023/XX/30): Missing CHARM Booklet provided within 3 days of application.<br> REVIEWER - GENERAL COMMENT (2023/XX/29): Missing Initial signed/dated 1003.<br> REVIEWER - GENERAL COMMENT (2023/XX/30): Missing Signed/dated Initial 1003. |  |  |  | - |
| 6452450529 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2018 | 7/XX/2018 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2018, Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. (XXX XXX/S-Corp)<br> [2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75197) | Federal Compliance - Self-Employed Tax Return Recency - ATR: This EV 2 exception is for informational purposes due to the 2017 taxes are on extension.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564)<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  |  |  |  | - |
| 6452449032 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 7/XX/2017 | 5/XX/2017 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [3] Guideline Issue - Aged document: Asset Account date is more than 90 days prior to Closing.: Financial Institution: XXX // Account Type: 401(k)/403(b) Account / Account Number: XXX<br> [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [3] Guideline Issue - Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $XXX.: Cash to Borrower: ; Total Cash Out: $XXX; Refi Purpose: Rate/Term | Copy of e-sign agreement document is not available in file.<br> Borrower received total cash out of $XXX, which is greater than the lessor of $XXX or 2% of the loan amount. |  |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: 06/XX/2017 | 442 was not provided. |  | 2<br> B | [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule C)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) | Federal Compliance - Self-Employed Tax Return Recency - ATR: The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero percent fee tolerance exceeded. |  |  |  |  | - |
| 6452449846 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 8/XX/2019 | 7/XX/2019 | Primary | Refinance Rate/Term | ATR Risk | 3<br> C |  |  |  |  |  | [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 52.60415% exceeds Guideline total debt ratio of 45.00000%. | Calculated DTI of 52.48% exceeds guideline limit of DTI 45%. | SELLER - GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br> REVIEWER - GENERAL COMMENT (2023/XX/22): The guidelines require the subject payment to use the greater of the Note rate or the fully-indexed rate amortized over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI exceeds the maximum allowed by more than 5% and is not eligible to be waived regraded.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact based on overall file risk & quality.<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains. |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.<br> [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 52.60415% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/08/XX/2019)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - Check Loan Designation Match - ATR Risk: Originator Loan Designation of Non QM does not match Due Diligence Loan Designation due to DTI Discrepancy.<br> Federal Compliance - General Ability To Repay Provision Investor Guidelines: Loan has ATR failure due to DTI discrepancy.<br> Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Calculated DTI of 52.48% exceeds guideline limit of DTI 45%.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. | SELLER - GENERAL COMMENT (2023/XX/18): Although HOA dues were errorneously excluded from debt service which causes excessived DTI, ATR is still met as borrowers residual income is $XXX per mos<br> REVIEWER - GENERAL COMMENT (2023/XX/22): The guidelines require the subject payment to use the greater of the Note rate or the fully-indexed rate amortized over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI exceeds the maximum allowed by more than 5% and is not eligible to be waived regraded.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact based on overall file risk & quality.<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): Already addressed above. Justifications for DTI exception- Per final 1008; Low LTV 25.255% and Liquidity, post close reserves equal to 150 months PITI<br> REVIEWER - GENERAL COMMENT (2023/XX/22): The guidelines require the subject payment to use the greater of the Note rate or the fully-indexed rate amortized over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI exceeds the maximum allowed by more than 5% and is not eligible to be waived regraded.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact based on overall file risk & quality.<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): Already addressed above. Justifications for DTI exception- Per final 1008; Low LTV 25.255% and Liquidity, post close reserves equal to 150 months PITI<br> REVIEWER - GENERAL COMMENT (2023/XX/22): The guidelines require the subject payment to use the greater of the Note rate or the fully-indexed rate amortized over the remaining 23 years, resulting in a qualifying DTI ratio of 52%. The DTI exceeds the maximum allowed by more than 5% and is not eligible to be waived regraded.<br> SELLER - GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact based on overall file risk & quality.<br> REVIEWER - GENERAL COMMENT (2023/XX/26): No supporting trailing documentation was provided to clear this exception. Exception remains. | GENERAL COMMENT (2023/XX/18): Already addressed above. Justifications for DTI exception- Per final 1008; Low LTV 25.255% and Liquidity, post close reserves equal to 150 months PITI<br>GENERAL COMMENT (2023/XX/18): N/A; Duplicative Exception<br>GENERAL COMMENT (2023/XX/18): Already addressed above. Justifications for DTI exception- Per final 1008; Low LTV 25.255% and Liquidity, post close reserves equal to 150 months PITI<br>GENERAL COMMENT (2023/XX/18): Although HOA dues were errorneously excluded from debt service which causes excessived DTI, ATR is still met as borrowers residual income is $XXX per mos<br>GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact based on overall file risk & quality.<br>GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact based on overall file risk & quality.<br>GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact based on overall file risk & quality.<br>GENERAL COMMENT (2023/XX/25): Agree with error, but don't agree with ATR impact based on overall file risk & quality. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | TILA ATR/QM |
| 6452450084 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 5/XX/2017 | 1/XX/2017 | Primary | Refinance Cash-out - Other | ATR Risk | 3<br> C |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 44.69592% exceeds Guideline total debt ratio of 44.00000%. | E-sign consent agreement is missing<br> Loan was approved at 44.7% exceeding 44% maximum DTI. | SELLER - GENERAL COMMENT (2023/XX/18): Max DTI for program is 43%, Uwer calcuated DTI at 40.870%<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Per lenders final 1003, loan was approved with a 44.871% DTI. Condition remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Received updated 1008, however it appears the lender did not include the REO liabilities in the DTI. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains. |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.<br> [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.<br> [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 44.69592% and based on 1026.43(c)(5) of 48.85% moderately exceed the guideline maximum of 44.00%. (DTI Exception is eligible to be regraded with compensating factors.)<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2017)<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) | Federal Compliance - General Ability To Repay Provision Investor Guidelines: Waterfall due to DTI.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: 10/1 ARM qualified at Note rate per guidelines. | SELLER - GENERAL COMMENT (2023/XX/18): Agree<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Per lenders final 1003, loan was approved with a 44.871% DTI. Condition remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Received updated 1008, however it appears the lender did not include the REO liabilities in the DTI. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): Agree<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Per lenders final 1003, loan was approved with a 44.871% DTI. Condition remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Received updated 1008, however it appears the lender did not include the REO liabilities in the DTI. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> SELLER - GENERAL COMMENT (2023/XX/18): Agree<br> REVIEWER - GENERAL COMMENT (2023/XX/21): Per lenders final 1003, loan was approved with a 44.871% DTI. Condition remains.<br> REVIEWER - GENERAL COMMENT (2023/XX/15): Received updated 1008, however it appears the lender did not include the REO liabilities in the DTI. Condition remains.<br> SELLER - GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI.<br> REVIEWER - GENERAL COMMENT (2023/XX/27): Reviewed trailing documentation. Documents necessary to clear the conditions were not provided. Exception remains.<br> REVIEWER - CURED COMMENT (2023/XX/26): Sufficient Cure Provided At Closing | GENERAL COMMENT (2023/XX/18): Agree<br>GENERAL COMMENT (2023/XX/18): Agree<br>GENERAL COMMENT (2023/XX/18): Max DTI for program is 43%, Uwer calcuated DTI at 40.870%<br>GENERAL COMMENT (2023/XX/18): Agree<br>GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI.<br>GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI.<br>GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI.<br>GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08 provided show that final qualifying DTI was 36.121% dated 4/XX/2017. DTI >44% is from previous/earlier reviews but was not final approved DTI. |  |  | TILA ATR/QM |
| 6452451235 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 11/XX/2018 | 10/XX/2018 | Primary | Refinance Cash-out - Other | Non QM | 3<br> D |  |  |  |  |  | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXX. Provide updated policy reflecting minimum coverage of $XXX OR Provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: 10/XX/2018 |  |  | 3<br> D | [3] Closing / Title - Missing Document: Note - Subject Lien not provided<br> [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided within three (3) days of application due to missing information.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 11/XX/2018 disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. (Final/11/XX/2018)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2211342)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2211341)<br> [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/10/XX/2018) | Federal Compliance - ARM Disclosure Timing Test: ARM Disclosure in the file does not contain a date provided.<br> Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Evidence of borrower's earlier receipt of the disclosure was not provided.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: File is missing a fully executed initial application<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: The Fraud Report reflects an application date of 10/XX/2018, disclosure not provided within 3 business days of application.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: Page 4 shows minimum rate of 2.25%, loan rate is 4.50%.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Page 1 shows minimum payment of $XXX and calculated payment is $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Page 1 shows minimum payment of $XXX and calculated payment is $XXX.<br> Federal Compliance - TRID Loan Estimate Timing: The Fraud Report reflects an application date of 10/XX/2018, disclosure not provided within 3 business days of application. |  |  |  | Yes | TR Note Deficiency |
| 6452450002 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2018 | 9/XX/2018 | Primary | Refinance Cash-out - Other | Non QM | 1<br> A |  |  |  |  |  | [3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable.: Valuation Type: Appraisal / Valuation Report Date: 09/XX/2018 | The loan file does not contain evidence the Condo is warrantable. |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450759 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2014 | 9/XX/2014 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2014)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.<br> [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower.<br> Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Application / Processing - Missing Document: Missing Lender's Initial 1003: The initial 1003 was not signed by the borrower.<br> Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.<br> Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Initial TIL was not sent within three (3) business days of the creditor application date. No TIL available within the 3 days of application date |  |  |  |  | - |
| 6452450762 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 2/XX/2020 | 1/XX/2020 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 2%.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) | State Compliance - New York Late Charge Percent Testing: Note late charge percent of 5.00000% exceeds the state maximum of 2%<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero percent tolerance fee exceeded for Transfer Tax Fee. Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. The file does not contain a valid COC for this fee, nor a cure. |  |  |  |  | - |
| 6452449704 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | TX | 12/XX/2022 | 8/XX/2022 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2022 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 12/XX/2022). (Final/12/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2022 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2022). (Final/12/XX/2022)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77159)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 12/XX/2022). (Final/12/XX/2022)<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 12/XX/2022). (Final/12/XX/2022)<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Recording fee was increased on 08/XX/2022 Loan Estimate and again on 12/XX/2022 CD with no valid change evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid cure document or Change of circumstance not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Valid cure document or Change of circumstance not provided. |  |  |  |  | - |
| 6452449925 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 3/XX/2022 | 3/XX/2022 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/03/XX/2022) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower within three business days prior to closing. |  |  |  |  | - |
| 6452451183 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 5/XX/2023 | 12/XX/2022 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  | [3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: Valuation Type: Appraisal / Valuation Report Date: 04/XX/2023 | The initial appraisal was completed prior to the license expiration date. There was no change in value from the initial to the final appraisal. |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2023)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:5048/01/XX/2023)<br> [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7308)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid COC provided, nor evidence of cure in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid COC provided, nor evidence of cure in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: No valid COC provided, nor evidence of cure in file. |  |  |  |  | - |
| 6452449065 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2019 | 3/XX/2019 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Fraud Report not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/04/XX/2019)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance of $XXX exceeds tolerance allowed of $XXX plus 10%. No valid change of circumstance nor cure was provided to the borrower. |  |  |  |  | - |
| 6452451242 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 5/XX/2023 | 4/XX/2023 | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was last disclosed as $XXX on Loan Estimate but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file. |  |  |  |  | - |
| 6452449581 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | OH | 9/XX/2022 | 2/XX/2022 | Primary | Purchase | HUD Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Government Documentation - FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.: Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents)<br> [3] General - FHA - Informed Consumer Choice Disclosure was not provided to borrower within 3 business days of the loan application.: Disclosure: FHA - Informed Consumer Choice Disclosure (Government Documents)<br> [3] Government Documentation - Important Notice to Homebuyer (92900-B) is missing.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)<br> [3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided<br> [3] Application / Processing - Missing Document: Verification of Identification not provided<br> [2] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)<br> [2] Government Documentation - FHA - Real Estate Certification was provided at or after closing.: Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: 06/XX/2024; Consummation Date: 09/XX/2022<br> [2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: FHA | FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents): FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant. To be compliant, borrower(s) signature(s) MUST be on both Part IV and Part V of Page 2, along with a signature on Page 4. The DE Signature and CHUMS ID is required for a Manual Underwrite. The lender MUST sign page 1 and 4.<br> FHA - Informed Consumer Choice Disclosure not provided to borrower within 3 business days of the loan application. Document was signed on 03/XX/2022.<br> Loan was originated as FHA. A required Verification of Identification document was not provided.<br> FHA - Real Estate Certification is not provided in the file |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2022)<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7591)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. A signed and dated appraisal delivery waiver was not provided.<br> State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Right Not To Close Disclosure was not provided.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. No valid changed circumstance was provided.<br> Insufficient cure provided for all closing costs above the legal limit.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Mortgage Insurance Premium. Fee Amount of $XXX exceeds tolerance of $XXX.No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  |  | - |
| 6452450649 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 11/XX/2021 | 6/XX/2021 | Second Home | Purchase | Non QM | 2<br> B |  |  |  |  |  | [3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 (2020), K-1 (2020) | K-1 document and 1065 not provided for XXX. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/09/XX/2021)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Designation has been restated.<br> Federal Compliance - TRID Loan Estimate Timing: Loan Estimate not delivered or placed in the mail to Borrower within three business days of application.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: The file is missing a valid valid Change of Circumstance for the increase in Discount Points. Insufficient or no cure was provided to the borrower. | REVIEWER - CURED COMMENT (2024/XX/25): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449309 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 4/XX/2022 | 1/XX/2022 | Primary | Purchase | Safe Harbor QM (APOR) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A | [1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2022 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/04/XX/2022) | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test: Final Closing Disclosure provided on 04/XX/2022 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | REVIEWER - CURED COMMENT (2024/XX/25): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449874 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2021 | 11/XX/2021 | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: 0% tolerance was exceeded by -$XXX due to Increase of Lender Credits. No valid COC provided, nor evidence of cure in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: 0% tolerance was exceeded by $XXX due to Increase of Loan Discount Points. No valid COC provided, nor evidence of cure in file. |  |  |  |  | - |
| 6452449965 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | OR | 1/XX/2022 | 12/XX/2021 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/01/XX/2022)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - FACTA Disclosure Missing: Missing Facta Disclosure. |  |  |  |  | - |
| 6452450866 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 10/XX/2021 | 9/XX/2021 | Primary | Purchase | Safe Harbor QM (43-Q) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2021) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. |  |  |  |  | - |
| 6452449400 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | WA | 10/XX/2021 | 9/XX/2021 | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  | [3] Application / Processing - 1003/Declarations: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes. Unable to determine qualification without this information.: Borrower: XXX<br> [3] Income Documentation - REO Documents are missing.: Address: XXX, WA HOA Verification, Insurance Verification, Statement, Tax Verification<br> [3] Document Error - Tax Return end date is more than 90 days prior to note date. P&L was not found in file. (GSE COVID-19): Borrower: XXX // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: 01/XX/2019 Note Date: 10/XX/2021;<br> Calendar End Date: 12/XX/2020; |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2021) |  |  |  |  |  | - |
| 6452450220 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | AZ | 4/XX/2022 | 3/XX/2022 | Second Home | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/04/XX/2022) | Federal Compliance - FACTA Disclosure Missing: FACTA Credit Score Disclosure was not provided.<br> Federal Compliance - TRID Loan Estimate Timing: Loan Estimate not delivered or placed in the mail to Borrower within three business days of application. |  |  |  |  | - |
| 6452449883 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 6/XX/2022 | 5/XX/2022 | Investment | Refinance Cash-out - Other | N/A | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  | - |
| 6452449042 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | PA | 5/XX/2021 | 4/XX/2021 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2021)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure 05/XX/2021 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/05/XX/2021) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: Final Closing Disclosure 05/XX/2021 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2 |  |  |  |  | - |
| 6452450802 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NC | 5/XX/2022 | 3/XX/2022 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Designation has been restated.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  |  | - |
| 6452449622 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 10/XX/2021 | 9/XX/2021 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on 10/XX/2021 are underdisclosed. (Final/10/XX/2021) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Designation has been restated.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: Non- Escrowed Property Cost over Year 1 on Final Closing Disclosure provided on 10/XX/2021 are under disclosed. |  |  |  |  | - |
| 6452450229 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 8/XX/2021 | 3/XX/2021 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Income Documentation - REO Documents are missing.: Address: XXX, IL HOA Verification |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Application / Processing - Missing Document: Missing Lender's Initial 1003<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: No valid COC provided, nor evidence of cure in file. |  |  |  |  | - |
| 6452449428 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 11/XX/2021 | 10/XX/2021 | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  | [3] Document Error - Un-audited P&L Statement provided. Average monthly deposits on the business Account statements do not support the average monthly income on the YTD P&L Statement. (GSE COVID-19): Borrower: XXX // Employment Type: Employment / Income Type: S-Corp (>= 25%) / Start Date: 06/XX/2018 |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. |  |  |  |  |  | - |
| 6452450947 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | WI | 10/XX/2021 | 8/XX/2021 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - FACTA Disclosure Missing: Creditor did not provide FACTA Credit Score Disclosure. | REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450860 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 5/XX/2022 | 1/XX/2022 | Primary | Purchase | HUD Safe Harbor QM | 2<br> B |  |  |  |  |  | [2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: FHA | Mortgage Type is FHA documentation in file |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) | Federal Compliance - (Missing Data) Last Rate Set Date: Rate Set Date is missing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Re- Inspection Fee increased from $XXX to $XXX, an increase of $XXX, without a Changed Circumstance form in file. A cure of $XXX was provided. |  |  |  |  | - |
| 6452449611 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 1/XX/2022 | 10/XX/2021 | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  | [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [3] Application / Processing - Missing Document: AUS not provided | AUS is missing in file.<br> File is missing final AUS; final 1008 showing AUS approved was used for review. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero percent tolerance Loan Discount Points Fee disclosed as $XXX on Loan Estimate dated 10/XX/2021 but disclosed as $XXX on Final Closing Disclosure. A valid COC nor cure were not provided. |  |  |  |  | - |
| 6452450245 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | OH | 3/XX/2022 | 1/XX/2022 | Primary | Purchase | Safe Harbor QM (43-Q) | 3<br> C |  |  |  |  |  | [3] Missing Document - CAIVRS Authorization is missing.: Disclosure: CAIVRS Authorization (Government Documents)<br> [3] Government Documentation - FHA MIP Error (Non-Borrower Paid):: Date Issued: 03/XX/2022 Calculated FHA upfront premium of $XXX does not match the mortgage insurance premium collected on the Closing Disclosure of .<br> [3] Mortgage / Program Eligibility - Guideline Requirement: Combined High loan to value discrepancy.: Calculated high loan to value percentage of 98.18778% exceeds Guideline high loan to value percentage of 95.00000%<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 98.18778% exceeds Guideline combined loan to value percentage of 95.00000%.<br> [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 98.18778% exceeds Guideline loan to value percentage of 95.00000%.<br> [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 3.29 is less than Guideline PITIA months reserves of 6.00.<br> [3] Government Documentation - Lead Based Paint Attachment - Attached to Purchase Contract is missing.: Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents)<br> [3] Government Documentation - Real Estate Certification is missing.: Disclosure: FHA - Real Estate Certification (Government Documents)<br> [3] Guideline Issue - Recent sale within 90 days is not eligible per FHA guidelines.: Valuation Type: Appraisal / Valuation Report Date: 02/XX/2022 Last Sale Date: 11/XX/2021; Case Number Assignment Date: 01/XX/2022<br> [3] Guideline Issue - Recent sale within 90 days is not eligible per FHA guidelines.: Valuation Type: Appraisal / Valuation Report Date: 02/XX/2022 Last Sale Date: 11/XX/2021; Case Number Assignment Date: 01/XX/2022<br> [2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: FHA | CAIVRS Authorization not provided<br> Lead Based Paint attachment not provided |  |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: 02/XX/2022 |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM (43-Q).<br> [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/02/XX/2022)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:5228/01/XX/2022)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75174) | Federal Compliance - Check Loan Designation Match - QM: Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM<br> Federal Compliance - HUD QM AU Finding Fail: Subject loan is not eligible to be insured or guaranteed by FHA.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Acopy of each valuation to applicant three (3) business days prior to consummation<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: A copy of each valuation to applicant three (3) business days prior to consummation<br> Federal Compliance - FACTA Disclosure Missing: ACTA Credit Score Disclosure not provided<br> State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Acknowledgement of Receipt of Home Mortgage Loan Information Document not provided<br> State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Right Not To Close Disclosure not provided<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: List of Homeownership Counseling Organizations to borrower not provided<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  |  |  |  | TILA ATR/QM |
| 6452450440 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 10/XX/2021 | 9/XX/2021 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/10/XX/2021) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  |  | - |
| 6452450240 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 7/XX/2022 | 6/XX/2022 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2022)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  |  |  | - |
| 6452449394 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CO | 9/XX/2020 | 8/XX/2020 | Primary | Purchase | Safe Harbor QM | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A | [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) | Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: The Tolerance Cure was reflected on the Closing Disclosure. | REVIEWER - CURED COMMENT (2024/XX/24): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449159 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 12/XX/2020 | 12/XX/2020 | Primary | Purchase | Safe Harbor QM | 1<br> A |  |  |  |  |  | [3] Document Error - Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.: Borrower: XXX, Borrower: XXX<br> [3] General - Missing Document: Verification of Non-US Citizen Status not provided | Employment Authorization, Resident Alien Card, Passport and VISA missing in loan file.<br> Employment Authorization, Resident Alien Card, Passport and VISA missing in loan file. |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449070 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 3/XX/2021 | 2/XX/2021 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - FACTA Disclosure Missing: Missing Facta Disclosure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: 0% tolerance was exceeded by $XXX due to Increase of Appraisal Fee. No valid COC provided, nor evidence of cure in file. | REVIEWER - CURED COMMENT (2024/XX/25): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449672 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 1/XX/2020 | 11/XX/2019 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Fraud Report not provided | Fraud Report is missing. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 01/XX/2020 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - Notice of Right to Cancel Missing: RTC is missing.<br> Federal Compliance - TRID Interim Closing Disclosure Timing Test: Missing Initial Closing Disclosure.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX. No Valid Change circumstance in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee on closing disclosure is $XXX and on loan estimate $XXX. No Valid Change circumstance in file. |  |  |  |  | - |
| 6452449969 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CA | 11/XX/2020 | 10/XX/2020 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX. | No asset verification provided. Per final Closing Disclosure, funds from borrower are $XXX. Additionally, source of fees paid prior to closing ($XXX) are not verified. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/11/XX/2020) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Neither evidence of appraisal delivery nor compliant acknowledgment of receipt signed at closing is provided. |  |  |  |  | - |
| 6452449448 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 1/XX/2021 | 11/XX/2020 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient. | HOI coverage is insufficient by $XXX. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2021 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 01/XX/2021). (Final/XX/20/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 01/XX/2021). (Final/XX/20/2021)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Final Closing Disclosure reflects Amount Finance of $XXX but calculated Amount Finance of $XXX. Variance = $XXX. Lender to provide corrected CD and copy of letter sent to borrower explaining changes.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure reflects Finance Charge of $XXX but calculated Finance Charge of $XXX.Variance = -$XXX. Lender to provide corrected CD and copy of letter sent to borrower explaining changes.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was last disclosed as $.00 on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  |  | - |
| 6452449806 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 11/XX/2019 | 7/XX/2019 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2019)<br> [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 11/XX/2019 not received by borrower at least four (4) business days prior to closing. (Interim/11/XX/2019)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7349) | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: The file is missing documentation verifying the borrowers received a copy of the appraisal within 3 business days of closing.<br> Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Revised Loan Estimate provided on 11/XX/2019 not received by borrower within timeframe of 4 days. It was signed on 11/XX/2019.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded Loan Discount Points. Fee Amount of $XXX exceeds previously disclosed amount of $XXX. A valid COC, nor a cure tolerance were provided. | REVIEWER - CURED COMMENT (2024/XX/24): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450252 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 1/XX/2020 | 11/XX/2019 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 01/XX/2020 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7326) | Federal Compliance - TRID Interim Closing Disclosure Timing Test: Final CD issued 1/XX/2020 provided to and received by Borrower on 1/XX/2020 closing date. Revised CD issued 1/XX/2020 is incomplete. Closing Date is not disclosed. Sections of pages 1, 3, 4 and 5 are blank/incomplete.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Recording fee amount increased in Final CD issued 1/XX/2020 with no valid Change of Circumstance evident.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee amount disclosed in Final CD issued 1/XX/2020 with no valid Change of Circumstance evident. |  |  |  |  | - |
| 6452449710 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 1/XX/2020 | 10/XX/2019 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  |  | - |
| 6452450614 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CO | 2/XX/2020 | 1/XX/2020 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 01/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/01/XX/2020) | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered to Borrower within three business days of application. |  |  |  |  | - |
| 6452450166 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 11/XX/2019 | 8/XX/2019 | Primary | Refinance Cash-out - Other | Non QM | 3<br> C |  |  |  |  |  | [3] Application / Processing - Missing Document: Fraud Report not provided | Fraud Report is missing in file. |  |  |  |  |  |  |  |  |  | 3<br> C | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.<br> [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.30530% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.30530%). | Federal Compliance - Check Loan Designation Match - QM: Loan designation mismatch due to loan failing QM Points and Fees testing.<br> Federal Compliance - QM Points and Fees: Points and Fees on subject loan of 4.31292% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or 1.31292%). | SELLER - GENERAL COMMENT (2024/XX/06): Appeal: See D0256 Mavent Report reflecting lenders undiscounted interest rate of 4.5%. Up to 2 Bona Fide discount points are excludable as each point reduced the rate by 0.2083% which exceeds the threshold to be considered bona fide. $XXX (or 2%) of the discount point fee is excludable.<br> REVIEWER - GENERAL COMMENT (2024/XX/10): With the undiscounted rate of 4.5%, the points and fees are exceeded by $XXX. | GENERAL COMMENT (2024/XX/06): Appeal: See D0256 Mavent Report reflecting lenders undiscounted interest rate of 4.5%. Up to 2 Bona Fide discount points are excludable as each point reduced the rate by 0.2083% which exceeds the threshold to be considered bona fide. $XXX (or 2%) of the discount point fee is excludable. |  |  | TILA ATR/QM |
| 6452450283 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 5/XX/2021 | 1/XX/2021 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  | [3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: 02/XX/2021 |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449477 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 4/XX/2019 | 11/XX/2018 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2019)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7742)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial Closing Disclosure not provided to Borrower at least three business days prior to closing..<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed circumstance was provided.<br> Insufficient cure provided for all closing costs above the legal limit. |  |  |  |  | - |
| 6452449897 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 12/XX/2019 | 8/XX/2019 | Primary | Refinance Rate/Term | Safe Harbor QM | 3<br> C<br> B |  |  |  |  |  | [3] Income Documentation - Income Docs Missing:: Borrower: XXX VVOE - Employment Only<br> [3] Income Documentation - Income documentation requirements not met.<br> [3] Income Documentation - The verification of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2017 | Missing verbal verification of employment within 10 business days of the note date.<br> Missing verbal verification of employment within 10 business days of the note date. |  |  |  |  |  |  |  |  |  | 3<br> C<br> B | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.<br> [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2019)<br> [2] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/14070622)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.<br> [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/08/XX/2019)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7552) | Federal Compliance - Check Loan Designation Match - QM: Loan designation of Temporary SHQM does not match due to missing verbal verification of employment within 10 business days of the note date.<br> Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: The documentation entered for this income source lacks sufficient date/duration information to verify the 2 year history as required by Appendix Q.<br> Federal Compliance - (Missing Data) Last Rate Set Date: Initial Rate Lock Date not provided.<br> Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: List of Homeownership Counseling Organizations not provided to applicant within three business days of application.<br> Federal Compliance - TRID Loan Estimate Timing: Application date is 08/XX/2019, earliest Loan Estimate in file is 08/XX/2019.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. A valid COC, nor cure were provided. |  |  |  |  | TILA ATR/QM |
| 6452450427 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 2/XX/2020 | 1/XX/2020 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/02/XX/2020)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) |  |  |  |  | - |
| 6452450089 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NV | 2/XX/2020 | 12/XX/2019 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Bankruptcy Documents not provided<br> [3] Application / Processing - Missing Document: Fraud Report not provided | Bankruptcy Documents not provided.<br> File is missing Fraud report |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2020)<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/01/XX/2020)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence in file showing borrower receive copy of appraisal.<br> Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock document not provided.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/01/XX/2020)<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  |  |  |  | - |
| 6452450065 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 3/XX/2020 | 2/XX/2020 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1<br> A |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450667 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 12/XX/2020 | 11/XX/2020 | Primary | Purchase | Temporary HPQM (GSE/Agency Eligible) | 3<br> C<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3<br> C<br> B | [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). | Federal Compliance - Check Loan Designation Match - QM: Loan Designation is determined to be Temporary HPML. |  |  |  |  | TILA ATR/QM |
| 6452450738 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CO | 12/XX/2020 | 9/XX/2020 | Primary | Refinance Cash-out - Home Improvement | Temporary SHQM (GSE/Agency Eligible) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452451104 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 4/XX/2019 | 12/XX/2018 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 04/XX/2019 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initial/04/XX/2019)<br> [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 04/XX/2019 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Interim/04/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2019 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 04/XX/2019). (Final/04/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 04/XX/2019). (Final/04/XX/2019)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/04/XX/2019)<br> [2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 04/XX/2019 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/04/XX/2019)<br> [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 04/XX/2019 not received by borrower at least four (4) business days prior to closing. (Interim/04/XX/2019)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7527) | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Date issued not completed on Closing Disclosure.<br> Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Date issued not completed on Closing Disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Finance Charge disclosed is $XXX. Calculated finance charge is $XXX Variance of $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge disclosed is $XXX. Calculated finance charge is $XXX Variance of $XXX.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Proof of earlier delivery not found in file.<br> Federal Compliance - TRID Interim Closing Disclosure Timing Test: Proof of delivery not found in file.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Lender Credit was last disclosed as -$XXX on LE but disclosed as- $XXX on Final Closing Disclosure. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure in file.<br> Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Loan Estimate provided after the date of Closing Disclousre.<br> Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Proof of receipt not in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Service Charge Fee was not disclosed on Loan Estimate. File does not contain a valid Change of Circumstance for this fee, nor evidence of cure. |  |  |  |  | - |
| 6452451130 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | GA | 6/XX/2021 | 5/XX/2021 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  |  | - |
| 6452450125 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | TX | 9/XX/2019 | 8/XX/2019 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  | [3] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/08/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure APR: TILA-RESPA Integrated Disclosure - Loan Calculations: APR of 3.82000% on Final Closing Disclosure provided on 09/XX/2019 is under-disclosed from the calculated APR of 4.04231% outside of 0.125% tolerance. (Final/09/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 09/XX/2019). (Final/09/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2019 disclosed a Principal and Interest Payment that does not match the actual payment for the loan. (Final/09/XX/2019)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2019 disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2545236)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2019 disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2545235)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 09/XX/2019). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/09/XX/2019)<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/09/XX/2019)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): No evidence in file of when the borrower received a copy of the dated 08/XX/2019.<br> Federal Compliance - TRID Final Closing Disclosure APR: Loan Calculations: APR of 3.82000% on Final Closing Disclosure provided on 09/XX/2019 is under-disclosed from the calculated APR of 4.04231% outside of 0.125% tolerance.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 09/XX/2019).<br> Federal Compliance - TRID Final Closing Disclosure Principal and Interest: The interest rate on the Note does not match the interest rate on Final CD which increases the P&I and DTI.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments: P&I ($XXX) from Note document not matched with Final CD($XXX)<br> The interest rate on the Note does not match the interest rate on Final CD which increases the P&I and DTI.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment: P&I ($XXX) from Note document not matched with Final CD($XXX)<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Loan Calculations: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 09/XX/2019). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold.<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | REVIEWER - CURED COMMENT (2024/XX/24): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452451094 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 3/XX/2021 | 2/XX/2021 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.<br> [1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2021 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/03/XX/2021) | Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test: Final Closing Disclosure provided on 03/XX/2021 disclosed the Monthly Escrow Payment on 1st page as $XXX and #360.62 on page 4th that does not match the actual escrow payment for the loan. | REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452451224 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 12/XX/2019 | 11/XX/2019 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1<br> A |  |  |  |  |  | [3] Application / Processing - Missing Document: Fraud Report not provided |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449333 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 1/XX/2020 | 8/XX/2019 | Primary | Refinance Rate/Term | Temporary SHQM (GSE/Agency Eligible) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450876 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 2/XX/2019 | 2/XX/2019 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2019)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7727)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75178) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. |  |  |  |  | - |
| 6452451160 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | WI | 7/XX/2021 | 5/XX/2021 | Primary | Refinance Cash-out - Other | Temporary SHQM (GSE/Agency Eligible) | 1<br> A |  |  |  |  |  | [3] Loan File - Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449390 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 8/XX/2023 | 7/XX/2023 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  | [3] Application / Processing - Missing Document: Verification of Identification not provided | Verification of Identification is missing |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2023 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 08/XX/2023). (Final/08/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2023 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/XX/2023). (Final/08/XX/2023) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Final Closing Disclosure provided on 08/XX/2023 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 08/XX/2023).<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on 08/XX/2023 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 08/XX/2023). |  |  |  |  | - |
| 6452450315 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 12/XX/2023 | 11/XX/2023 | Primary | Purchase | HUD Safe Harbor QM | 2<br> B |  |  |  |  |  | [3] Government Documentation - Initial HUD Addendum 92900-A is missing.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)<br> [3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.<br> [2] General - Loan has been identified as FHA/VA/USDA | Insurance Certificate and Mortgage Insurance Evidence are missing. |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2024/XX/26): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452451136 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NC | 10/XX/2023 | 9/XX/2023 | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450951 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | NY | 9/XX/2023 | 6/XX/2023 | Primary | Purchase | Safe Harbor QM (APOR) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450795 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IN | 9/XX/2023 | 7/XX/2023 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/08/XX/2023) |  |  |  |  |  | - |
| 6452449756 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | OH | 11/XX/2023 | 10/XX/2023 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2023)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Ohio Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. | Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Delivery of appraisal not provided to the borrower within 3 days prior to closing.<br> Federal Compliance - FACTA Disclosure Missing: Creditor did not provide FACTA Credit Score Disclosure.<br> State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.<br> State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Right not to close disclosure not provided to borrower. |  |  |  |  | - |
| 6452451014 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | WI | 10/XX/2023 | 9/XX/2023 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/09/XX/2023)<br> [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/09/XX/2023)<br> Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure not provided. |  |  |  |  | - |
| 6452451252 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 10/XX/2019 | 8/XX/2019 | Primary | Refinance Limited Cash-out GSE | Safe Harbor QM | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A | [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2019 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2649919)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2019 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2649918)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2019 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2649917)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2649916) |  | REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449035 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 8/XX/2020 | 7/XX/2020 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [2] Income Documentation - Income Docs Missing:: Borrower: XXX W-2 (2019)<br> [2] Income Documentation - Income documentation requirements not met. | W-2 (2019) is missing in the file.<br> File is missing verification of 2 Years Employment history for both Borrowers. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14694296)<br> [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14686997)<br> [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/08/XX/2020) | Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Missing Employment Dates to verify two years employment history for current and/or prior employment.<br> Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Missing Employment Dates to verify two years employment history for current and/or prior employment. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449410 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 9/XX/2021 | 7/XX/2021 | Second Home | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, VT HOA Verification<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA HOA Verification | The file is missing the mortgage HOA documentation for this property. Please provide for review.<br> The file is missing the mortgage HOA documentation for this property. Please provide for review. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] State Compliance - Massachusetts Mortgage Lender and Broker Regulation (Ability to Repay not Verified): Massachusetts Mortgage Lender and Broker Regulation: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment using PITI payment based on fully indexed rate and fully amortizing payment, if applicable<br> [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated 10/XX/2021). (Final/08/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 10/XX/2021). (Final/08/XX/2021) | Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of 126.00.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of 126.00. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450645 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2021 | 8/XX/2021 | Primary | Refinance Rate/Term | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  | [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2020 | Verification(s) of employment is not within 10 business days of the Note. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 10/XX/2021). (Final/10/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/10/XX/2021) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: "Loan Calculations (pg 5) - one of these occurred: 1) Finance Charge is blank; 2) Primary residence refinance and Calculated Finance Charge exceeds disclosed Finance Charge by more than $XXX; 3) Primary residence purchase or occupancy = Second Home and Calculated Finance Charge exceeds disclosed Finance Charge by more than $XXX."<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on 10/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 10/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/10/XX/2021) | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452450408 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | FL | 2/XX/2017 | 12/XX/2016 | Second Home | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, FL, Address: XXX, IL, Address: XXX, IL Insurance Verification, Statement, Tax Verification<br> Insurance Verification<br> Insurance Verification |  | REVIEWER - WAIVED COMMENT (2025/XX/21): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/21): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75178) | Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax Service Fee (Life Of Loan) was last disclosed as $XXX on the Loan Estimate but was disclosed as $XXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Endorsement Fee was last disclosed as $XXX on the Loan Estimate but was disclosed as $XXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Title - Abstract / Title Search Fee was last disclosed as $XXX on the Loan Estimate but was disclosed as $XXX on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452449796 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 10/XX/2019 | 9/XX/2019 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2019)<br> [2] Federal Compliance - TILA NMLSR - Originator Company Not Licensed at time of Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not NMLS licensed or registered at time of application.<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 10/XX/2019 did not disclose an accurate Index as reflected on the Note. (Final/10/XX/2019)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable Interest Rate Table: Final Closing Disclosure provided on 10/XX/2019 did not disclose an accurate Index as reflected on the Note. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/16): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449589 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 11/XX/2019 | 9/XX/2019 | Primary | Refinance Rate/Term | Safe Harbor QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14555803)<br> [2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2019 disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. (Final/11/XX/2019)<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 09/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/09/XX/2019) | Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: VOE for the previous employment is missing<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Initial Loan Estimate dated 09/XX/2019 was electronically provided prior to borrower's consent to receive electronic disclosures. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449228 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2019 | 11/XX/2019 | Primary | Refinance Rate/Term | Safe Harbor QM | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  | GENERAL COMMENT (2024/XX/30): Original coverage - Required coverage equal to loan amount of $XXX required as exceeds 80% of value. Sufficient coverage in file of $XXX(Dwelling $XXX + other structures $XXX). Current insurance also attached showing coverage of $XXX. |  |  | - |
| 6452450101 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2019 | 11/XX/2019 | Primary | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2019) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450909 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2020 | 4/XX/2020 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  | [2] General - Missing Document: 1007 Rent Comparison Schedule not provided | File is missing a copy of the 1007 Rent Comparison Schedule. | REVIEWER - WAIVED COMMENT (2025/XX/19): Client elects to waive with compensating factor. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452451159 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2020 | 4/XX/2020 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  | [2] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 44.91682% exceeds AUS total debt ratio of 27.78000%.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, IL, Address: XXX, IL, Address: XXX, IL Statement, Tax Verification<br> Statement, Tax Verification<br> Statement, Tax Verification | Insufficient Qualifying Income has resulted in a DTI discrepancy of 44.91%, exceeding the maximum AUS approved DTI ratio of $XXX%<br> Insufficient Qualifying Income has resulted in a DTI discrepancy of 44.91%, exceeding the maximum AUS approved DTI ratio of $XXX% | REVIEWER - WAIVED COMMENT (2025/XX/20): Insufficient Qualifying Income has resulted in a DTI discrepancy of 44.91%, exceeding the maximum AUS approved DTI ratio of $XXX%<br> REVIEWER - WAIVED COMMENT (2025/XX/20): Insufficient Qualifying Income has resulted in a DTI discrepancy of 44.91%, exceeding the maximum AUS approved DTI ratio of $XXX%<br> REVIEWER - WAIVED COMMENT (2025/XX/20): Statement, Tax Verification Statement, Tax Verification Statement, Tax Verification |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score is above 680. |  | - |
| 6452450249 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 3/XX/2021 | 8/XX/2020 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 04/XX/2021). (Final/03/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/03/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. (Final/03/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 04/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/03/XX/2021)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2646079)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7552) | Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are over disclosed.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 04/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/12): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/12): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452451156 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IN | 12/XX/2020 | 10/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 12/XX/2020 did not disclose an accurate Index as reflected on the Note. (Final/12/XX/2020) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on 12/XX/2020 did not disclose an accurate Index as reflected on the Note. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450490 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 1/XX/2021 | 11/XX/2020 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 11/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/11/XX/2020) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 11/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449828 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 3/XX/2021 | 12/XX/2020 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  | [2] Credit Documentation - Purchase contract date not provided. |  | REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive without compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2645831)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2645830)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2645829)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/2645828)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/03/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/03/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. (Final/03/XX/2021)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2645828) | Federal Compliance - ARM Disclosure Status Test: ARM Disclosure is missing<br> Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet is missing<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test: Final Closing Disclosure provided on 03/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. (Final/03/XX/2021)<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/11): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450306 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 2/XX/2021 | 1/XX/2021 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2021 are overdisclosed. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2647183)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2647182)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/02/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2647182)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 02/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/02/XX/2021)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2647183)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2647182)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2647181)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2647180) | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Final Closing disclosure page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $967.57, however page 4 total states $11,610.84 annually which comes monthly $967.57.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing disclosure page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $967.57, however page 4 total states $11,610.84 annually which comes monthly $967.57.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing disclosure page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $967.57, however page 4 total states $11,610.84 annually which comes monthly $967.57.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Loan term is of 30 years, Note document shows 360 months which include 1 year of Interest only period due to Construction Permanent.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure dated 02/XX/2021 Principal & Interest for Payment Stream 3 is not matching due to Subject Transaction is 1 year Interest only due to Construction Permanent.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Final Closing disclosure page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $967.57, however page 4 total states $11,610.84 annually which comes monthly $967.57.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Final Closing disclosure page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $967.57, however page 4 total states $11,610.84 annually which comes monthly $967.57.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Final Closing disclosure page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $967.57, however page 4 total states $11,610.84 annually which comes monthly $967.57.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Final Closing disclosure page 1 escrows as $XXX and page 2 lists escrows as $XXX +$XXX total $967.57, however page 4 total states $11,610.84 annually which comes monthly $967.57. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450658 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 3/XX/2021 | 1/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. (Final/03/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 03/XX/2021). (Final/03/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are overdisclosed. (Final/03/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/03/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 03/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/03/XX/2021)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2646855)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2646854)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2646853)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2646852)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Escrowed Property Costs Year 1 Over disclosed due to inclusion of mortgage insurance.<br> Federal Compliance - TRID Final Closing Disclosure Finance Charge: Finance Charge disclosed is $XXX. Calculated finance charge is $XXX . Variance of $XXX . Required Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 03/XX/2021 are over disclosed.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 03/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Projected Payments: Final Closing Disclosure provided on 03/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/17): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/17): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/17): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/17): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/17): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450930 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 6/XX/2021 | 3/XX/2021 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2021)<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 06/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/06/XX/2021)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2647048)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2647047)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2647046)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2647045) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence that borrower received a copy of appraisal 3 business days to closing.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Disclosed Finance Charges are $XXX. Due Diligence Finance Charges are $XXX. There is a variance of $XXX. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449007 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 5/XX/2021 | 4/XX/2021 | Primary | Purchase | Non QM | 2<br> B<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B<br> A | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450726 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 6/XX/2021 | 4/XX/2021 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 06/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/06/XX/2021)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2647062) | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Mortgage insurance is not consider in initial escrow disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Payment stream one includes only Interest payment.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Payment stream one includes only Interest payment. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449977 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 1/XX/2022 | 4/XX/2021 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 01/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2647057) | Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: CD disclosed 12 months of interest only payments.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. | SELLER - GENERAL COMMENT (2024/XX/30): Per Exception Information , construction loan product with first year being interest only. Remaining yearts contain interest. Projected payments indicates first year as interest only and remaining years with interest included, Monthly Principal & Interest indicates only interest through month 12 as does AP table.<br> REVIEWER - GENERAL COMMENT (2024/XX/31): Final CD reflects page 1 Loan Terms - monthly principal & interest that "Includes only interest and no principal until mo. 12", however, the promissory note and const loan allonge reflect that the interest only period is for full 12 months and would be "until" mo 13". Corrected CD and LOE to borrower.<br> SELLER - GENERAL COMMENT (2025/XX/16): As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month<br> REVIEWER - GENERAL COMMENT (2025/XX/17): SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/16): Sufficient Cure Provided At Closing | GENERAL COMMENT (2024/XX/30): Per Exception Information , construction loan product with first year being interest only. Remaining yearts contain interest. Projected payments indicates first year as interest only and remaining years with interest included, Monthly Principal & Interest indicates only interest through month 12 as does AP table.<br>GENERAL COMMENT (2025/XX/16): As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th month and final interest only payment is the 12th month |  |  | - |
| 6452449464 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 7/XX/2021 | 5/XX/2021 | Primary | Refinance Rate/Term | Safe Harbor QM (43-Q) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/14557195)<br> [2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.<br> [1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/XX/2021 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/07/XX/2021)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (75229)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Owners Coverage Premium (Optional). Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (75192)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (75188) | Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Missing Employment Dates to verify two years employment history for current and/or prior employment.<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed Test: Final Closing Disclosure provided on 07/XX/2021 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Title - Owners Coverage Premium (Optional). Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/21): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450263 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 8/XX/2021 | 5/XX/2021 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  | [2] Credit Documentation - Purchase contract date not provided. | Purchase contract date was not provided. | REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive with comp factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2021 incorrectly disclosed whether the loan contains Interest Only Payments. (Final/08/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/08/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 08/XX/2021 are overdisclosed. (Final/08/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2655342)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2655341)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2655342)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2655341)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2655340)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/2655339)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/08/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 09/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/08/XX/2021)<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2655339) | Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2021 incorrectly disclosed whether the loan contains Interest Only Payments.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Adjustable Payment Table: Final Closing Disclosure provided on 08/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 08/XX/2021 are overdisclosed.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 4 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 3 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Construction Permanent Test: Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Loan Terms: Final Closing Disclosure provided on 08/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Projected Payments: Final Closing Disclosure provided on 08/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/24): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449496 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 7/XX/2021 | 6/XX/2021 | Primary | Purchase | Safe Harbor QM (43-Q) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449479 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2021 | 6/XX/2021 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  | [2] Credit Documentation - Purchase contract date not provided. |  | REVIEWER - WAIVED COMMENT (2025/XX/18): Client elects to waive with comp factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 12/XX/2021 did not disclose an accurate Index as reflected on the Note. (Final/XX/20/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 12/XX/2021 with an increasing payment did not disclose the frequency of adjustments. (Final/XX/20/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 12/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/XX/20/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 12/XX/2021 are overdisclosed. (Final/XX/20/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/XX/20/2021)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2655294) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Note reflects UST 1 year weekly.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Updated as per document<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Updated as per document<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TOP disclosed was $XXX. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449078 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 8/XX/2021 | 6/XX/2021 | Primary | Refinance Cash-out - Other | Safe Harbor QM (APOR) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449503 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 8/XX/2021 | 7/XX/2021 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 07/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/07/XX/2021) | Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Evidence of earlier receipt not found. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450362 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 8/XX/2021 | 6/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2021)<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:17861/07/XX/2021)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7772) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The file is missing proof of receipt of the updated appraisal with a report date of 07/XX/2021. The appraisal is required to be received no less than three business days prior to closing.<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The file is missing proof of receipt of the updated appraisal with a report date of 07/XX/2021. The appraisal is required to be received no less than three business days prior to closing.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Certification Fee was last disclosed as $XXX on Loan Estimate but disclosed as $XXX on Final Closing Disclosure dated 08/XX/2021. File does not contain a valid COC for this fee, nor evidence of cure in file. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450735 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 9/XX/2021 | 7/XX/2021 | Primary | Purchase | Safe Harbor QM (APOR) | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2024/XX/26): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449541 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MI | 2/XX/2022 | 12/XX/2021 | Second Home | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/02/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 02/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/02/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2022 are overdisclosed. (Final/02/XX/2022)<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 12/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/12/XX/2021)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2654114) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable Interest Rate Table: Final Closing Disclosure provided on 02/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/02/XX/2022)<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 02/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/02/XX/2022)<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 02/XX/2022 are overdisclosed. (Final/02/XX/2022)<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: E-sign disclosure is provided on 01/XX/2022.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Final Closing Disclosure provided on 02/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2654114) | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450192 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 8/XX/2022 | 3/XX/2022 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 08/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/08/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether property taxes are included in escrow. (Final/08/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether the loan will have an escrow account. (Final/08/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether the loan will have an escrow account. (Final/08/XX/2022)<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) | Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 08/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: Final Closing disclosure Page1 indicates Flood insurance in escrow..<br> Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether the loan will have an escrow account.<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: Final Closing Disclosure provided on 08/XX/2022 incorrectly disclosed whether the loan will have an escrow account.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Lender Credits Fee was last disclosed as -$XXX on Loan Estimate but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Tax service Fee was last disclosed as $XXX on Loan Estimate but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid Change of circumstance for this fee, nor evidence of cure in file. | SELLER - GENERAL COMMENT (2025/XX/02): Construction loan product with first year being interest only. Remaining yearts contain interest. Projected payments indicates first year as interest only and remaining years with interest included, Monthly Principal & Interest indicates only interest through month 12 as does AP table.<br> REVIEWER - GENERAL COMMENT (2025/XX/02): SitusAMC received rebuttal that first year interest only. However, page 1 of final CD in Loan Terms - Monthly Principal & Interest states that includes only interest and no principal "until" month 12. As this is 12 month interest only, the only interest would be included "until" month 13. 13th month starts principal & interest payment. Corrected CD and LOE to borrower to cure.<br> SELLER - GENERAL COMMENT (2025/XX/16): As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th and final interest only payment is the 12th month<br> REVIEWER - GENERAL COMMENT (2025/XX/17): SitusAMC received rebuttal on until period. However, Terms of the loan provide for a 12 month interest only period during construction phase which means the due date of the first principal and interest payment occurs on month 13 or year 2. Comment 37(b)(8)-2 provides: (ii) The dates required to be disclosed by paragraphs (b)(6)(iii) shall be disclosed as the year in which the event occurs, counting from the due date of the initial periodic payment. Also see page 23 of the combined construction loan guide (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) provided in the rebuttal. This page provides guidance and an example for compliant disclosure for interest only period bullet. The example provided is a 10 month interest only construction loan and on the second row of the table the corresponding compliant disclosure is "Includes only interest and no principal until mo. 11". Note that the example does not list only interest until month 10 on a 10 month construction loan. It discloses the 11th month, the month the event (change to principal and interest) occurs as the period required to be disclosed under 1026.37(b)(6)(iii) . Corrected CD and LOE to borrower.<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive | GENERAL COMMENT (2025/XX/02): Construction loan product with first year being interest only. Remaining yearts contain interest. Projected payments indicates first year as interest only and remaining years with interest included, Monthly Principal & Interest indicates only interest through month 12 as does AP table.<br>GENERAL COMMENT (2025/XX/16): As per CFPB guide. (https://files.consumerfinance.gov/f/documents/cfpb_trid-combined-construction-loan-guide.pdf) "For a combined disclosure the timing of the end of the interest-only period is the due date of the last interest-only periodic payment the consumer will make before switching to principal and interest payments." Due date of 12th and final interest only payment is the 12th month |  |  | - |
| 6452450342 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 9/XX/2022 | 3/XX/2022 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/09/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2022 are overdisclosed. (Final/09/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2654433)<br> [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2654434)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/09/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/09/XX/2022)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2654431) | Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on 09/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2022 are over disclosed.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 09/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure provided on 09/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 09/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Final Closing Disclosure provided on 09/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449432 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 5/XX/2022 | 4/XX/2022 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/XX/20/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2022 are overdisclosed. (Final/XX/20/2022)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2654348) | Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 05/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Final Closing Disclosure provided on 05/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449519 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 10/XX/2022 | 8/XX/2022 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Interim/10/XX/2022)<br> [2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 10/XX/2022 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Issue Date Not Provided<br> Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: Corrected Closing Disclosure provided on or after 10/XX/2022 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452451170 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 10/XX/2022 | 9/XX/2022 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  | [2] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided | The purchase agreement is missing in the file. | REVIEWER - WAIVED COMMENT (2025/XX/06): Comp factors used to waive exception |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initial/10/XX/2022)<br> [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Interim/10/XX/2022)<br> [2] Document Error - TRID Closing Disclosure: "Product" in Loan Details section is blank.: Date Issued: 10/XX/2022, Date Issued: 10/XX/2022<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 10/XX/2022 did not disclose an accurate Index as reflected on the Note. (Final/10/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 10/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/10/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 10/XX/2022 are overdisclosed. (Final/10/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2654731)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2654730)<br> [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2654731)<br> [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2654730)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/10/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/10/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (Final/10/XX/2022) | Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Closing Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual Date Issued. Incomplete Closing disclosure in the file, provide attestation that this CD was not issued to the borrower<br> Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: Closing Disclosure estimated to be provided on 10/XX/2022 did not disclose the actual Date Issued. Incomplete Closing disclosure in the file, provide attestation that this CD was not issued to the borrower<br> Document Error - TRID Closing Disclosure: "Product" in Loan Details section is blank.: Incomplete Closing disclosure in the file, provide attestation that this CD was not issued to the borrower<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Final Closing Disclosure provided on 10/XX/2022 did not disclose an accurate Index as reflected on the Note.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on 10/XX/2022 did not disclose an accurate Index as reflected on the Note.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 10/XX/2022 are overdisclosed.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: Final Closing Disclosure provided on 10/XX/2022 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450651 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 10/XX/2022 | 9/XX/2022 | Primary | Refinance Cash-out - Other | Safe Harbor QM (43-Q) | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Total cash-out discrepancy.: HUD-1 total cash-out of $XXX is greater than Guideline total cash-out of $XXX. |  | REVIEWER - WAIVED COMMENT (2025/XX/06): Comp factors used to waive exception. |  |  |  |  |  |  |  |  | 1<br> A | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower. (0)<br> [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower. (7520) |  | REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided within 60 Days of Closing<br> REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided within 60 Days of Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452450196 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 10/XX/2022 | 9/XX/2022 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2659333) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: Final Closing Disclosure provided on 10/XX/2022 disclosed a mortgage insurance payment for payment stream 4 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452451196 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 11/XX/2022 | 10/XX/2022 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 11/XX/2022 are overdisclosed. (Final/11/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2654963)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2654962)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 11/XX/2022 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/11/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 11/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/11/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 11/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/11/XX/2022) | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Final Closing disclosure page 1 lists escrows as $XXX+$896.59 total $XXX, however page 4 total states $XXX annually which comes monthly $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 11/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan due Subject Transaction is 1 year Interest only due to Construction Permanent.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 11/XX/2022 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan due Subject Transaction is 1 year Interest only due to Construction Permanent.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: Loan term is of 30 years, Note document shows 360 months which include 1 year of Interest only period due to Construction Permanent.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Loan term is of 30 years, Note document shows 360 months which include 1 year of Interest only period due to Construction Permanent.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on 11/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449832 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 5/XX/2023 | 4/XX/2023 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Index: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 05/XX/2023 did not disclose an accurate Index as reflected on the Note. (Final/05/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 05/XX/2023 incorrectly disclosed whether the loan contains Interest Only Payments. (Final/05/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 05/XX/2023 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/05/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2023 are overdisclosed. (Final/05/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2658120)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an Estimated Total Monthly Payment (Maximum) for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2658119)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2658120)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2658119)<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2023 are overdisclosed. (Final/05/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2023 with an increasing payment disclosed the due date of the first adjustment that does not match the actual due date for the loan. (Final/05/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2023 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/05/XX/2023)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2023 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2658117)<br> [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) | Federal Compliance - TRID Final Closing Disclosure AIR Table Index: Adjustable Interest Rate Table Final Closing Disclosure provided on 05/XX/2023 did not disclose an accurate Index as reflected on the Note<br> Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: Adjustable Payment Table: Final Closing Disclosure provided on 05/XX/2023 incorrectly disclosed whether the loan contains Interest Only Payments.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Final closing disclosure disclosed payment stream 4 Estimated Total Monthly payment Maximum at $XXX. However payment is calculating at $XXX<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Escrowed Property Costs over Year 1 of $XXX is over disclosed. Monthly Taxes ($XXX) and Insurance ($XXX) totaling $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: Final closing disclosure disclosed payment stream 4 Estimated Total Monthly payment at $XXX. However payment is calculating at $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Maximum Payment Adjustable Rate: Final closing disclosure disclosed payment stream 3 Estimated Total Monthly payment Maximum at $XXX. However payment is calculating at $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final closing disclosure disclosed payment stream 2 Estimated Total Monthly payment at $XXX. However payment is calculating at 4446.60.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Final closing disclosure disclosed payment stream 3 Estimated Total Monthly payment at $XXX. However payment is calculating at $XXX.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Based on appraisal provided HOA dues are $XXX per year $XXX monthly.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: First payment adjustment does not match the due date for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Data updated as per Final Closing Disclosure provided on 05/XX/2023<br> Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Recording Fee was last disclosed as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/23): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450844 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 9/XX/2023 | 8/XX/2023 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 09/XX/2023 disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the loan. (Final/09/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 09/XX/2023 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/09/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2023 are overdisclosed. (Final/09/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2023 are overdisclosed. (Final/09/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2023 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/09/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2023 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (Final/09/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2023 with an increasing payment disclosed the earliest date of the maximum possible amount of principal and interest that does not match the actual earliest date for the loan. (Final/09/XX/2023)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2023 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2655214)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 09/XX/2023 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2655213) | Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments.<br> Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2023 are over disclosed.<br> Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Non Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 09/XX/2023 are over disclosed.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments.<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: The CD indicates that the 1st year of payments are interest only during the construction period. The note does not reflect the interest only payments. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450734 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 12/XX/2016 | 10/XX/2016 | Investment | Refinance Cash-out - Other | N/A | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:18451/11/XX/2016) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification of appraisal was delivered to borrower not provided in file. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452451221 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 3/XX/2017 | 1/XX/2017 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, Insurance Verification, Statement, Tax Verification |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor . |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |  | - |
| 6452449659 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 5/XX/2017 | 4/XX/2017 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 (2016), K-1 (2016), P&L Statement | The 1065 (2016), K-1 (2016), and year-to-date P&L Statement were not received for Kenyon Law Associates. Also, missing a year-to-date P&L for XXX. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449615 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 1/XX/2018 | 12/XX/2017 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is not provided. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 01/XX/2018 not received by borrower at least four (4) business days prior to closing. (Interim/01/XX/2018) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower.<br> Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: Verified data updated as per provided documents. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score is above 680. |  | - |
| 6452450743 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 2/XX/2018 | 2/XX/2018 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: Right to Receive a Copy of appraisal is not provided to applicant within three (3) business days of application. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450952 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 12/XX/2019 | 9/XX/2019 | Second Home | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2019 incorrectly disclosed whether the loan will have an escrow account. (Final/12/XX/2019)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM<br> Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: Loan Disclosures: Final Closing Disclosure provided on 12/XX/2019 incorrectly disclosed whether the loan will have an escrow account.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: The Recording fee was previiously disclosed to the borrower on the Loan estimate as $XXX but it increased on the closing disclosure as $XXX with no cure provided to the borrower. Insufficient or no cure was provided to the borrowe<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: The Credit report fee was previiously disclosed to the borrower on the Loan estimate as $XXX but it increased on the closing disclosure as $XXX with no cure provided to the borrower. Insufficient or no cure was provided to the borrowe | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive | GENERAL COMMENT (2025/XX/08): Amex account is a charge account. (Open Account) Borrower has sufficient assets to pay in full. In addition borrower is authorized user | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450150 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2020 | 8/XX/2020 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450647 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 4/XX/2020 | 3/XX/2020 | Primary | Purchase | Temporary SHQM (GSE/Agency Eligible) | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Guideline Issue - This loan closed during the COVID-19 affected timeframe. Asset Account date is more than 60 days prior to the Note date or notary date.: Financial Institution: XXX // Account Type: Individual Retirement Account (IRA) / Account Number: XXX Note Date: 04/XX/2020; Notary Date: 04/XX/2020 |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A | [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0) |  | REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The qualifying DTI on the loan is less than or equal to 35%. |  | - |
| 6452450945 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 5/XX/2020 | 3/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450472 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 5/XX/2020 | 3/XX/2020 | Primary | Refinance Cash-out - Other | Non QM | 2<br> B |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Statement | Provide Mortgage statement for the property XXX, rental property is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/03/XX/2020) | Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: The Qualification Method used by the lender does not match the ATR payment calculation methods.<br> State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File: Tangible Net Benefit Worksheet is missing in the file.<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2020 was electronically provided without or prior to borrower's consent to receive electronic disclosures. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | - |
| 6452450074 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2020 | 6/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.<br> [2] State Compliance - Massachusetts Late Charge Percent Testing: Massachusetts Late Charge: Note late charge percent of 5.00000% exceeds the state maximum of 3%.<br> [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. | Federal Compliance - ARM Disclosure Timing Test: ARM loan program disclosure not provided to the borrower within three (3) days of application. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450682 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 6/XX/2020 | 5/XX/2020 | Primary | Purchase | Non QM | 2<br> B<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B<br> A | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450528 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2020 | 6/XX/2020 | Primary | Purchase | Safe Harbor QM | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450542 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 8/XX/2020 | 7/XX/2020 | Second Home | Purchase | Safe Harbor QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%.<br> Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient, So Please provide COC/Final CD for changed fee amount. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449724 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 9/XX/2020 | 7/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/09/XX/2020) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM<br> Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: Initial CD issued 9/XX/2020 and received by the borrower 9/XX/2020 which is less than three business days prior to closing of 9/XX/2020. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450363 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 9/XX/2020 | 7/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of 678 is less than Guideline representative FICO score of 680. | FICO score of 678 is less than Guideline FICO score of 680. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452450574 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2020 | 9/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Documentation - Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided | E-sign Consent Agreement is missing.<br> Verification of Rent (VOR) is missing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 10/XX/2020 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: Corrected Closing Disclosure provided on or after 10/XX/2020 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450840 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2020 | 8/XX/2020 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449895 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2020 | 9/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Insurance Verification, Tax Verification | Missing Insurance and tax verification for REO XXX. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452449105 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 12/XX/2020 | 10/XX/2020 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452451200 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 6/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 06/XX/2021 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/06/XX/2021) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449576 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | CT | 3/XX/2021 | 12/XX/2020 | Primary | Refinance Rate/Term | Non QM | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450836 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 3/XX/2021 | 1/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |  | - |
| 6452450859 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 5/XX/2021 | 1/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | E-Sign Consent Agreement is not provided. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450568 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 3/XX/2021 | 1/XX/2021 | Investment | Purchase | N/A | 2<br> B |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Statement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  | [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: 03/XX/2021 |  | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2021) |  | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452451099 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 6/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Calculated combined loan to value percentage of 75% exceeds Guideline combined loan to value percentage of 70%, with a loan amount greater than $XXX million<br> Calculated loan to value percentage of 75% exceeds Guideline loan to value percentage of 70% with a loan amount greater than $XXX Million | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449563 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 4/XX/2021 | 2/XX/2021 | Investment | Refinance Rate/Term | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449692 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 5/XX/2021 | 3/XX/2021 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 10/XX/2018 | Verbal VOE's dated 4/XX/2021 and 4/XX/2021, were not provided within 10 business days of the Note date of 5/XX/2021<br> Verbal VOE's dated 4/XX/2021 and 4/XX/2021, were not provided within 10 business days of the Note date of 5/XX/2021 | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450126 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 8/XX/2021 | 5/XX/2021 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 70.00000% exceeds Guideline combined loan to value percentage of 65.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 70.00000% exceeds Guideline loan to value percentage of 65.00000%. | Loan exceeds maximum CLTV of 65%. Lender exception in file.<br> Loan exceeds maximum LTV of 65%. Lender exception in file. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449469 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 6/XX/2021 | 5/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449229 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 6/XX/2021 | 4/XX/2021 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Payment Shock exceeds credit guidelines.: Payment Shock: 277.28452%<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Insurance Verification, Tax Verification<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA, Address: XXX, MA Insurance Verification, Tax Verification<br> Insurance Verification, Tax Verification |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452451009 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 6/XX/2021 | 5/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 67.01477% exceeds Guideline total debt ratio of 50.00000%.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA, Address: XXX, MA Statement<br> Statement<br> [2] Income Documentation - REO Documents are missing. | Asset documentation requirements not met. 2 months of statements are required.<br> Guideline conditions were not met<br> Guideline Requirement: Investor qualifying total debt ratio discrepancy. Lenders calculation does not include negative cash flow from the investment properties.<br> Income documentation requirements not met<br> Mortgage statement not provided for property located on XXX. Please provide for review | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450332 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | RI | 6/XX/2021 | 5/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%.<br> [2] Application / Processing - Mismatch of data related to Occupancy.: Borrower: XXX Occupancy: Investment; Declarations/Will borrower occupy: Yes | Calculated CLTV is exceeding the guideline limit.<br> Calculated LTV is exceeding the guideline limit.<br> Occupancy status is showing investment however declarations/will borrower occupy showing as Yes in final 1003 for co- borrower. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449327 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 6/XX/2021 | 5/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, MA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA, Address: XXX, GA Statement<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification, Tax Verification<br> Insurance Verification<br> Insurance Verification<br> Insurance Verification<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 04/XX/2012 | Missing Mortgage statement for REO properties listed Below<br> XXX, MA<br> XXX, GA<br> XXX, GA<br> XXX, GA<br> XXX, GA:<br> XXX, GA<br> XXX, GA<br> XXX, GA<br> Verification(s) of employment is not within 10 business days of the Note. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450329 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 5/XX/2021 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452449682 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 7/XX/2021 | 5/XX/2021 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2009<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2009 | The file is missing the borrower's paystub and W-2. Please provide for review.<br> The file is missing the verbal verification of employment obtained within ten business days of closing.<br> The file is missing the verbal verification of employment obtained within ten business days of closing. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factor |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449389 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 8/XX/2021 | 7/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Statement | E-Sign Consent is missing in file.<br> Mortgage Statement is missing for property located at XXX, MA XXX. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450299 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 8/XX/2021 | 7/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $XXX is less than AUS Available for Reserves of $XXX.<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Asset Documentation - Guideline Issue:Insufficient asset documentation.: Financial Institution: XXX // Account Type: Checking / Account Number: XXX | E-Sign Consent Agreement is not provided.<br> Required 2 months consecutive bank statement for XXX account number XXX. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The representative FICO score is above 680. |  | - |
| 6452450186 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 8/XX/2021 | 7/XX/2021 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, MA Statement |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449418 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 11/XX/2021 | 8/XX/2021 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] Application / Processing - Mismatch of data related to Occupancy.: Borrower: XXX Occupancy: Investment; Declarations/Will borrower occupy: Yes |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449151 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2021 | 9/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  |  |  | - |
| 6452450780 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 11/XX/2021 | 10/XX/2021 | Primary | Purchase | Safe Harbor QM (APOR) | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of 634 is less than Guideline representative FICO score of 680. | E-sign Consent Agreement is missing.<br> FICO score of 634 is less than Guideline representative FICO score of 680. | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. | Federal Compliance - ARM Disclosure Status Test: ARM disclosure not provided. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has verified disposable income of at least $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452450285 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 10/XX/2021 | 9/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, NY HOA Verification<br> [2] Income Documentation - REO Documents are missing.: Address: XXX HOA Verification, Insurance Verification |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449312 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 11/XX/2020 | 9/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.<br> [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2020)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2671684)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2671683)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2671682)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2020 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2671681) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Evidence of receipt of appraisal 3 days prior to closing is not in file.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Escrow discrepancies due to Hazard insurance calculation. Due diligence calculation is higher based on loan data in file.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Escrow discrepancies due to Hazard insurance calculation. Due diligence calculation is higher based on loan data in file.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: Escrow discrepancies due to Hazard insurance calculation. Due diligence calculation is higher based on loan data in file.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed Test: Escrow discrepancies due to Hazard insurance calculation. Due diligence calculation is higher based on loan data in file. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449429 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MO | 5/XX/2021 | 11/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 05/XX/2021 are overdisclosed. (Final/05/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 4 that does not match the actual total payment for the loan. (ProjSeq:4/2646221)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan. (ProjSeq:3/2646220)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/05/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 05/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/05/XX/2021)<br> [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/04/XX/2021)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2646221)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2646220)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/2646219)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2646218) | Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Escrowed Property Costs over Year 1 year not provided in closing disclosure.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Closing disclosure Projected payment not matching with Calculated payments.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Closing disclosure Projected payment not matching with Calculated payments.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Closing disclosure Projected payment not matching with Calculated payments.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on 05/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 05/XX/2021). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX<br> Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: Inital loan estimate received on 04/XX/2021 and Application date is 11/XX/2020.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX . no Valdi change circumstance in file.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Closing disclosure Projected payment not matching with Calculated payments.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Closing disclosure Projected payment not matching with Calculated payments.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: Closing disclosure Projected payment not matching with Calculated payments.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Closing disclosure Projected payment not matching with Calculated payments. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing<br> REVIEWER - CURED COMMENT (2024/XX/13): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452450246 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MN | 4/XX/2021 | 2/XX/2021 | Primary | Refinance Cash-out - Home Improvement | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed the First Change period according to the disclosed Loan Product. (Final/04/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan contains Interest Only Payments. (Final/04/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2021 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/04/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2021 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/04/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 04/XX/2021 are overdisclosed. (Final/04/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an Estimated Total Monthly Payment for payment stream 2 that does not match the actual total payment for the loan. (ProjSeq:2/2647217)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 04/XX/2021 with an increasing payment did not disclose the frequency of adjustments. (Final/04/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 04/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/04/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 did not disclose the periodic principal and interest payment for payment stream 2. (ProjSeq:2/2647217)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed a maximum periodic principal and interest payment for payment stream 2 that does not match the actual maximum payment for the loan. (ProjSeq:2/2647217)<br> [2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after 04/XX/2021 contains a change in APR and was not received by borrower at least three (3) business days prior to consummation<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 04/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2647216) | Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability To Repay Provision Investor Qualification Method not Matching ATR<br> Federal Compliance - TRID Final Closing Disclosure AP Table First Change Period: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed the First Change period according to the disclosed Loan Product.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Interest Only Payment: Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2021 incorrectly disclosed whether the loan contains Interest Only Payments due to Construction loan terms.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Projected Payment and Term Structure on CD and Note is mismatched due to construction terms on loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on 04/XX/2021 disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments: Projected Payment and Term Structure on CD and Note is mismatched due to construction terms on loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: Projected Payment and Term Structure on CD and Note is mismatched due to construction terms on loan.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 04/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Projected Payment and Term Structure on CD and Note is mismatched due to construction terms on loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Max Payment Adjustable Rate: Projected Payment and Term Structure on CD and Note is mismatched due to construction terms on loan.<br> Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: Closing Disclosure provided on 04/XX/2021 does not reflect an APR therefore when the final was provided it reflects a change. Initial Closing Disclosure dated 04/XX/2021 reflects same APR as final.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/15): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452451045 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 6/XX/2021 | 3/XX/2021 | Primary | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2021)<br> [2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel was not provided.<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed. (Final/06/XX/2021)<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580)<br> [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7579)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2021 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2647147) | Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence that borrower received a copy of appraisal 3 business days to closing.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 06/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 06/XX/2021 are overdisclosed.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Final Lender Credit of -$XXX exceeds tolerance of -$XXX. No valid COC in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. No valid COC in file.<br> Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX. No valid COC in file. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/14): Sufficient Cure Provided At Closing |  |  |  | - |
| 6452449868 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 5/XX/2021 | 3/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Letter of Explanation not provided for Employment Gap. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452450764 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 6/XX/2021 | 4/XX/2021 | Primary | Purchase | Non QM | 2<br> B<br> A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B<br> A | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Loan has been re designated at client request | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449343 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 7/XX/2021 | 5/XX/2021 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) | Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Lender Credit Fee was last disclosed as -$$XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $XXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  |  |  | - |
| 6452449875 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | IL | 12/XX/2021 | 9/XX/2021 | Primary | Construction-Permanent | Non QM | 2<br> B |  |  |  |  |  | [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - REO Documents are missing.: Address: XXX, IL Insurance Verification, Tax Verification | Due to following missing documents is required for this employment type: 1) Third Party Verification; 2) CPA Letter; 3) Audited or Third Party Prepared YTD P&L; 4) Most recent transcript or signed/dated tax return (tax year end date no more than 120 days prior to Note Date); 5) Other document where "Reliable Third Party Source Employment" is checked; 6) 1099<br> Investment property taxes and insurance are missing. | REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade.<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 12/XX/2021 are overdisclosed. (Final/12/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 12/XX/2021 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/12/XX/2021)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/XX/2021 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeq:3/2654942)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2021 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/12/XX/2021)<br> [1] Federal Compliance - TRID Lender Credit Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX exceeds tolerance of -$XXX. Sufficient or excess cure was provided to the borrower at Closing. (9300) | Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Due to missing 1040s not signed and dated.<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Projected Payment and Term Structure on CD and Note is mismatched. As per Note loan term is 348 Months and CD reflects 360 months along with 1 year interest only payments. Additionally Mortgage Insurance Payment Starts from 2nd Year. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/28): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452451209 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MI | 1/XX/2022 | 10/XX/2021 | Second Home | Refinance Rate/Term | Non QM | 2<br> B |  |  |  |  |  | [2] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX.<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 | Documented qualifying Assets for Closing of $XXX is less than Cash From Borrower $XXX.<br> E-sign consent is missing in loan file<br> The verification of employment is required and was not found in file FOR XXX // Employment Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 | REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade.<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade.<br> REVIEWER - WAIVED COMMENT (2025/XX/18): Compensating Factors for waive and downgrade. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for the APR calculation and compliance testing.<br> [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 01/XX/2022 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 01/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Balloon Payment Test: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2022 incorrectly disclosed whether the loan contains a Balloon Payment. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 01/XX/2022 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2654025)<br> [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold. (Final/01/XX/2022)<br> [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)<br> [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 01/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/2654022) | Federal Compliance - Disclosed Note P&I payment does not equal calculated P&I payment: P&I payment. Note P&I of $XXX does not match calculated P&I of $XXX. Note P&I was used for the APR calculation and compliance testing.<br> Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: The Qualification Method used by the lender does not match the ATR payment calculation methods under 1<br> Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: Final Closing Disclosure provided on 01/XX/2022 disclosed a Maximum Payment amount and period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure AP Table Subsequent Changes Test: Final Closing Disclosure provided on 01/XX/2022 disclosed a Subsequent Changes period that does not match the actual terms for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Balloon Payment Test: Final Closing Disclosure provided on 01/XX/2022 incorrectly disclosed whether the loan contains a Balloon Payment. (Final/01/XX/2022)<br> Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the due date of the last payment of interest only that does not match the actual last payment for the loan. (Final/01/XX/2022<br> Federal Compliance - TRID Final Closing Disclosure Payment Max Amount: : Final Closing Disclosure provided on 01/XX/2022 with an increasing payment disclosed the maximum possible amount of principal and interest that does not match the actual maximum amount for the loan.<br> Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments: Final Closing Disclosure provided on 01/XX/2022 disclosed a periodic principal and interest payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeq:4/2654025)<br> Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Overdisclosed - October 2018 Construction Permanent: Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXX on Final Closing Disclosure provided on 01/XX/2022 are overdisclosed.<br> Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Closing Disclosure provided on 01/XX/2022 disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated 01/XX/2022). The disclosed Total of Payments in the amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which exceeds the $XXX threshold.<br> Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: no valid changed circumstance available in loan file<br> Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: Final Closing Disclosure provided on 01/XX/2022 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - CURED COMMENT (2024/XX/20): Sufficient Cure Provided At Closing |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452450747 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 9/XX/2020 | 7/XX/2020 | Investment | Refinance Cash-out - Other | N/A | 1<br> A |  |  |  |  |  | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 60.00000%.<br> [2] Mortgage / Program Eligibility - Guideline Requirement: Loan to value discrepancy.: Calculated loan to value percentage of 75.00000% exceeds Guideline loan to value percentage of 60.00000%. |  | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449914 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 9/XX/2020 | 7/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Income Documentation - REO Documents are missing.: Address: XXX, FL Insurance Verification | Evidence of insurance verification is not in file. | SELLER - GENERAL COMMENT (2025/XX/02): P&S agreement for XXX attached. No MTG on XXX. Tax Payments Verified. HOI not required. Low DTI 16.835. See HUD 1 confirming borrower paid cash for property<br> REVIEWER - GENERAL COMMENT (2025/XX/03): Exception Remains - We have received Purchase contract for the XXX, FL. Provide the signed closing statement or final closing disclosure to evidence the property has been sold.<br> REVIEWER - GENERAL COMMENT (2025/XX/06): EXCEPTION HISTORY - Exception Detail was updated on 01/XX/2025 PRIOR Exception Detail: Address: XXX, FL, Address: XXX, FL<br> EXCEPTION HISTORY - Exception Explanation was updated on 01/XX/2025 PRIOR Exception Explanation: Insurance Verification<br> Insurance Verification<br> REVIEWER - WAIVED COMMENT (2025/XX/15): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.<br> [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 07/XX/2020, Most Recent Tax Return End Date 01/XX/2019, Tax Return Due Date 05/XX/2020. (XXX XXX/Schedule K-1 less than 25 Percent)<br> [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/08/XX/2020)<br> [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) | Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Client restates designation to Non-QM<br> Federal Compliance - Self-Employed Tax Return Recency - ATR: File only contains the signature page for the 2020 tax return. Please provide the full 2020 personal tax return for review and upon receipt, additional conditions may apply.<br> Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: Evidence of receipt of Loan Estimate 4 days prior to closing is not in file.<br> Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee increased without a valid change of circumstance. Cure was not provided at closing. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive | GENERAL COMMENT (2025/XX/02): P&S agreement for XXX attached. No MTG on XXX. Tax Payments Verified. HOI not required. Low DTI 16.835. See HUD 1 confirming borrower paid cash for property | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | - |
| 6452450657 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 9/XX/2020 | 8/XX/2020 | Primary | Purchase | Non QM | 2<br> B |  |  |  |  |  | [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement | The file was missing a copy of the E-Sign Consent Agreement. | REVIEWER - WAIVED COMMENT (2025/XX/14): Lender elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 2<br> B | [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.<br> [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: TILA-RESPA Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 09/XX/2020 disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. (Final/09/XX/2020) | Federal Compliance - ARM Disclosure Status Test: ARM loan program disclosure not provided to the borrower.<br> Federal Compliance - TRID Final Closing Disclosure AIR Table Maximum Interest Rate: Final Closing Disclosure provided on 09/XX/2020 disclosed a Maximum Interest Rate that does not match the actual maximum interest rate for the loan. | REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive<br> REVIEWER - WAIVED COMMENT (2025/XX/04): Client elected to waive |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $XXX.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |
| 6452449075 | Upsize | XXX | XXX | XXX | XXX | XXX | $XXX | MA | 11/XX/2021 | 10/XX/2021 | Investment | Purchase | N/A | 1<br> A |  |  |  |  |  | [2] Asset Documentation - Asset documentation requirements not met.<br> [2] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline Findings: All conditions were not met<br> [2] Missing Document - E-sign Consent Agreement is missing.: Disclosure: E-Sign Consent Agreement<br> [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 10.89 is less than Guideline PITIA months reserves of 12.00.<br> [2] Income Documentation - Income documentation requirements not met.<br> [2] Income Documentation - The verification of employment is required and was not found in file.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2016<br> [2] Income Documentation - Verification(s) of employment is not within 10 business days of the Note.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 02/XX/2016 | 1008 indicates the loan was manually underwritten<br> 1008 indicates the loan was manually underwritten.<br> E-sign Consent Agreement is missing.<br> Calculated PITIA months reserves of 10.89 is less than Guideline PITIA months reserves of 12.00.<br> 1008 indicates the loan was manually underwritten<br> VVOE is missing in file for primary borrower's employer as "XXX".<br> VVOE is missing in file for primary borrower's employer as "XXX". | REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors.<br> REVIEWER - WAIVED COMMENT (2025/XX/14): Client elects to waive with compensating factors. |  |  |  |  |  |  |  |  | 1<br> A |  |  |  |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $XXX.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | - |

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## Exhibit 99.1

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Base/Upsize** | **LoanID** | **Seller Loan ID** | **Servicer Loan ID** | **Has Mod (Bid Tape)** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** | **Seller Response** | **AMC Rebuttal** |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Street | XXX | XXX | verified to note |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Borrower SSN | XXX | XXX | missing |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | verified to note |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Original Term | 317 | 360 | verified to note |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Original Interest Rate | XX.XX | XX.XX | verified to note |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Original P&I | 290.45 | 394.41 | verified to note |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Index Type | US Treasury - 1 Year CMT (Daily) | US Treasury - 1 Year CMT (Weekly) | Per note index is US Treasury - 1 Year CMT (Weekly) |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Interest Rate Life Cap | 5 | 6 | verified to note |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | First Payment Change Date | 2011-01-XX | 2007-06-XX | verified to note |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Next Payment Change Date | 2017-01-XX | 2016-06-XX | verified to note |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Contract Sales Price |  | XXX | Per HUD provided. |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Prepayment Penalty | 1 |  | verified to note |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Interest Rate Life Floor |  | 2 | verified to note |  |  |
| 6452449854 | Upsize | XXX | XXX | XXX | Yes | Interest Rate Initial Maximum | 10.75 | 10.25 | verified to note |  |  |
| 6452450267 | Upsize | XXX | XXX | XXX | Yes | Note Date | 2007-02-XX | 2007-02-XX | Verified note. |  |  |
| 6452450267 | Upsize | XXX | XXX | XXX | Yes | Original Term | 482 | 360 | Verified note. |  |  |
| 6452450267 | Upsize | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Verified note. |  |  |
| 6452450267 | Upsize | XXX | XXX | XXX | Yes | Original P&I |  | 2191.17 | Verified note. |  |  |
| 6452450267 | Upsize | XXX | XXX | XXX | Yes | Rounding Method | Nearest |  | Verified note. |  |  |
| 6452450267 | Upsize | XXX | XXX | XXX | Yes | Total Debt Ratio | 54.25 | 0 | No supporting documents. |  |  |
| 6452450642 | Upsize | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Per Note |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | Yes | Original Loan Amount | XXX | XXX | Verified from the Note. |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Verified from the Note. |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | Yes | Property Type | Single Family | Manufactured Housing | Verified from the Appraisal. |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | Yes | Occupancy | Investment | Primary | Verified from the Approval and Application. |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | Yes | Original CLTV | 94.26 | 92.86 | Verified from the Note, HUD and Appraisal. |  |  |
| 6452450077 | Upsize | XXX | XXX | XXX | Yes | Original LTV | 94.26 | 92.86 | Verified from the Note, HUD and Appraisal. |  |  |
| 6452450492 | Upsize | XXX | XXX | XXX | Yes | Note Date | 2008-08-XX | 2008-08-XX | Per the Note |  |  |
| 6452450492 | Upsize | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Per the Note |  |  |
| 6452450492 | Upsize | XXX | XXX | XXX | Yes | Occupancy |  | Primary |  |  |  |
| 6452450492 | Upsize | XXX | XXX | XXX | Yes | Original CLTV | 88.24 | 86.94 | per Appraisal |  |  |
| 6452450492 | Upsize | XXX | XXX | XXX | Yes | Original LTV | 88.24 | 86.94 | per Appraisal |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Verified from the Note. |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | Yes | Original P&I | 465.80 | 975.75 | Verified from the Note. |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | Yes | Amortization Type | Fixed | ARM | Verified from the Note. |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | Yes | Margin | 0 | 7.5 | Verified from the Note. |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | Yes | Interest Rate Change Frequency |  | 6 |  |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | Yes | Interest Rate Life Min |  | 8.5 |  |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | Yes | Interest Rate Life Max |  | 15.5 |  |  |  |
| 6452450809 | Upsize | XXX | XXX | XXX | Yes | Interest Rate Periodic Cap |  | 1.5 |  |  |  |
| 6452449015 | Upsize | XXX | XXX | XXX | Yes | Note Date | 2007-09-XX | 2007-08-XX | Verified per note. |  |  |
| 6452449015 | Upsize | XXX | XXX | XXX | Yes | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Verified per note. |  |  |
| 6452449015 | Upsize | XXX | XXX | XXX | Yes | Original P&I | 4294.42 | 4769.47 | Verified per note. |  |  |
| 6452449958 | Upsize | XXX | XXX | XXX |  | Original Term | 553 | 360 | Field value reflects source document |  |  |
| 6452450754 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field value reflects source document |  |  |
| 6452450754 | Upsize | XXX | XXX | XXX |  | Original Term | 571 | 360 | Field value reflects source document |  |  |
| 6452450063 | Upsize | XXX | XXX | XXX |  | Original Term | 526 | 360 | Field value reflects source document |  |  |
| 6452450063 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Rate/Term | Cash-out - Debt Consolidation | Field value reflects source document |  |  |
| 6452449901 | Upsize | XXX | XXX | XXX |  | Borrower SSN |  | XXX | Field Value verified by application or other documentation in file |  |  |
| 6452449901 | Upsize | XXX | XXX | XXX |  | Coborrower SSN |  | XXX | Field Value verified by application or other documentation in file |  |  |
| 6452449901 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449901 | Upsize | XXX | XXX | XXX |  | Mortgage Type |  | Conventional without MI | Field Value reflects Mortgage Type per the Approval/AUS |  |  |
| 6452450770 | Upsize | XXX | XXX | XXX |  | Original Term | 480 | 360 | Field Value reflects the Note value |  |  |
| 6452450770 | Upsize | XXX | XXX | XXX |  | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects Maturity Date per the Note |  |  |
| 6452450109 | Upsize | XXX | XXX | XXX |  | Note Date | 2004-08-XX | 2004-07-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450445 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio |  | 41.27 | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |  |  |
| 6452450580 | Upsize | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450580 | Upsize | XXX | XXX | XXX |  | Representative FICO |  | 622 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450580 | Upsize | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450580 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 28.12 | 35 | Per approval |  |  |
| 6452450314 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450314 | Upsize | XXX | XXX | XXX |  | Representative FICO |  | 735 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450314 | Upsize | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Approval/AUS |  |  |
| 6452450314 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 42.028 | 46 | Approval |  |  |
| 6452450264 | Upsize | XXX | XXX | XXX |  | Representative FICO |  | 737 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450264 | Upsize | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450595 | Upsize | XXX | XXX | XXX |  | Representative FICO |  | 641 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450595 | Upsize | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449221 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452449221 | Upsize | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452449221 | Upsize | XXX | XXX | XXX |  | Representative FICO |  | 593 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Amortization Type | Fixed | ARM | Field Value reflects Amortization Type per Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Representative FICO |  | 609 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Index Type |  | LIBOR - 6 Month (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Margin | 0 | 5.95 | Field Value reflects 'Margin' per the ARM rider |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | First Interest Rate Change Date |  | 2009-07-XX | Field Value reflects 'Interest Rate First Change Date' per the Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Interest Rate Change Frequency |  | 6 | Field Value reflects 'Interest Rate Change Frequency' per the Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Min |  | 7.075 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Max |  | 14.075 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Interest Rate Periodic Floor |  | 1 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Interest Rate Periodic Cap |  | 1 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Balloon Flag | 0 | 1 | Field Value reflects Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Prepayment Penalty | 0 | 1 | Field Value reflects 'PrePayment Penalty' per the Note rider |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Interest Rate Initial Maximum |  | 10.075 | Field Value reflects 'Interest Rate Initial Maximum' per the Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Interest Rate Initial Minimum |  | 7.075 | Field Value reflects 'Interest Rate Initial Minimum' per the Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | Payment Change Frequency |  | 6 | Field Value reflects 'Payment Change Frequency' per the Note |  |  |
| 6452450806 | Upsize | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX |  | Representative FICO | 641 | 616 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX |  | Index Type |  | LIBOR - 6 Month (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX |  | First Interest Rate Change Date | 2012-11-XX | 2012-10-XX | Field Value reflects 'Interest Rate First Change Date' per the Note |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX |  | Interest Rate Change Frequency |  | 6 | Field Value reflects 'Interest Rate Change Frequency' per the Note |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Min |  | 8.175 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX |  | Interest Rate Periodic Floor |  | 1 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX |  | Interest Rate Periodic Cap |  | 1 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX |  | Interest Rate Initial Maximum |  | 11.175 | Field Value reflects 'Interest Rate Initial Maximum' per the Note |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX |  | Interest Rate Initial Minimum |  | 8.175 | Field Value reflects 'Interest Rate Initial Minimum' per the Note |  |  |
| 6452450900 | Upsize | XXX | XXX | XXX |  | Payment Change Frequency |  | 6 | Field Value reflects 'Payment Change Frequency' per the Note |  |  |
| 6452450882 | Upsize | XXX | XXX | XXX |  | Representative FICO | 683 | 656 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450882 | Upsize | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450882 | Upsize | XXX | XXX | XXX |  | Borrower Middle Name | XXX | XXX | Field value reflects source document |  |  |
| 6452450882 | Upsize | XXX | XXX | XXX |  | Coborrower Middle Name | XXX | XXX | Field value reflects source document |  |  |
| 6452449552 | Upsize | XXX | XXX | XXX |  | Representative FICO |  | 678 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450142 | Upsize | XXX | XXX | XXX |  | Representative FICO |  | 812 | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |  |  |
| 6452449862 | Upsize | XXX | XXX | XXX |  | Representative FICO |  | 581 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450171 | Upsize | XXX | XXX | XXX |  | Representative FICO | 726 | 736 | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Representative FICO |  | 753 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Purpose | Refinance | Purchase | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Index Type |  | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Interest Rate Change Frequency |  | 12 | Field Value reflects 'Interest Rate Change Frequency' per the Note |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Min |  | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Max | 8.75 | 7.75 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Interest Rate Periodic Floor |  | 2 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Interest Rate Periodic Cap |  | 2 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Interest Rate Initial Maximum |  | 4.75 | Field Value reflects 'Interest Rate Initial Maximum' per the Note |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Interest Rate Initial Minimum |  | 2.25 | Field Value reflects 'Interest Rate Initial Minimum' per the Note |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Payment Change Frequency |  | 12 | Field Value reflects 'Payment Change Frequency' per the Note |  |  |
| 6452450364 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 30.446 | 25.94132 | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |  |  |
| 6452449521 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | note |  |  |
| 6452449521 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Cap | 5 | 6 | note |  |  |
| 6452450022 | Upsize | XXX | XXX | XXX |  | Maturity Date | XXXX-XX-XX | XXXX-XX-XX | Verified per Note. |  |  |
| 6452450022 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Cap | 5 | 6 | Verified per Note. |  |  |
| 6452450022 | Upsize | XXX | XXX | XXX |  | Interest Rate Initial Cap | 2 | 6 | Verified per Note. |  |  |
| 6452449081 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450621 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450621 | Upsize | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452449013 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 180 | Field Value reflects Amortization Term per Note |  |  |
| 6452449013 | Upsize | XXX | XXX | XXX |  | Property Type | Multi (Blanket) | 4 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450753 | Upsize | XXX | XXX | XXX |  | Note Date | 2013-11-XX | 2013-11-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450753 | Upsize | XXX | XXX | XXX |  | Original P&I | 4157.21 | 4053.58 | Field Value reflects Note value |  |  |
| 6452450753 | Upsize | XXX | XXX | XXX |  | Property Type | Multi (Blanket) | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449707 | Upsize | XXX | XXX | XXX |  | Note Date | 2012-08-XX | 2012-08-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449707 | Upsize | XXX | XXX | XXX |  | Original P&I | 737.22 | 599.20 | Field Value reflects Note value |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX |  | Note Date | 2013-06-XX | 2013-06-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450971 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450159 | Upsize | XXX | XXX | XXX |  | Note Date | 2005-04-XX | 2005-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450159 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450219 | Upsize | XXX | XXX | XXX |  | Note Date | 1999-05-XX | 1999-05-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450219 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449781 | Upsize | XXX | XXX | XXX |  | Note Date | 2014-02-XX | 2014-02-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449781 | Upsize | XXX | XXX | XXX |  | Property Type | PUD | Condo (Low Rise) | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX |  | Note Date | 2013-08-XX | 2013-07-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449587 | Upsize | XXX | XXX | XXX |  | Original P&I | 2541.27 | 1531.25 | Field Value reflects Note value |  |  |
| 6452449114 | Upsize | XXX | XXX | XXX |  | Note Date | 2019-04-XX | 2019-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450367 | Upsize | XXX | XXX | XXX |  | Note Date | 2014-11-XX | 2014-11-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450367 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450304 | Upsize | XXX | XXX | XXX |  | Note Date | 2021-02-XX | 2021-02-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450304 | Upsize | XXX | XXX | XXX |  | Property Type | PUD | PUD Attached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX |  | Note Date | 2016-08-XX | 2016-07-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX |  | Original P&I | 1400.00 | 1937.50 | Field Value reflects Note value |  |  |
| 6452449531 | Upsize | XXX | XXX | XXX |  | Property Type | Multi (Blanket) | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450826 | Upsize | XXX | XXX | XXX |  | Note Date | 2020-06-XX | 2020-06-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450511 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450511 | Upsize | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452449489 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452449489 | Upsize | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452449489 | Upsize | XXX | XXX | XXX |  | Property Type | Townhouse | PUD | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449934 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 180 | Unable to verify due to missing information |  |  |
| 6452449934 | Upsize | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452450485 | Upsize | XXX | XXX | XXX |  | Note Date | 2017-09-XX | 2017-08-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450107 | Upsize | XXX | XXX | XXX |  | Note Date | 2017-11-XX | 2017-10-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449132 | Upsize | XXX | XXX | XXX |  | Note Date | 2018-01-XX | 2018-01-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449132 | Upsize | XXX | XXX | XXX |  | Original P&I | 5944.95 | 6489.27 | Field Value reflects Note value |  |  |
| 6452450451 | Upsize | XXX | XXX | XXX |  | Note Date | 2019-07-XX | 2019-06-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450062 | Upsize | XXX | XXX | XXX |  | Note Date | 2017-09-XX | 2017-09-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450755 | Upsize | XXX | XXX | XXX |  | Note Date | 2014-12-XX | 2014-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450755 | Upsize | XXX | XXX | XXX |  | Original P&I | 5568.93 | 4787.27 | Field Value reflects Note value |  |  |
| 6452449753 | Upsize | XXX | XXX | XXX |  | Note Date | 2017-07-XX | 2017-06-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450507 | Upsize | XXX | XXX | XXX |  | Note Date | 2016-12-XX | 2016-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450035 | Upsize | XXX | XXX | XXX |  | Note Date | 2017-09-XX | 2017-09-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449194 | Upsize | XXX | XXX | XXX |  | Note Date | 2016-06-XX | 2016-06-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449348 | Upsize | XXX | XXX | XXX |  | Note Date | 2016-04-XX | 2016-04-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450676 | Upsize | XXX | XXX | XXX |  | Note Date | 2016-07-XX | 2016-07-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX |  | Note Date | 2014-05-XX | 2014-05-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449124 | Upsize | XXX | XXX | XXX |  | Original P&I | 3773.38 | 3367.84 | Field Value reflects Note value |  |  |
| 6452450905 | Upsize | XXX | XXX | XXX |  | Note Date | 2017-03-XX | 2017-03-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450905 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450268 | Upsize | XXX | XXX | XXX |  | Note Date | 2017-12-XX | 2017-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450268 | Upsize | XXX | XXX | XXX |  | Amortization Term |  | 360 | Field Value reflects Amortization Term per Note |  |  |
| 6452450268 | Upsize | XXX | XXX | XXX |  | Property Type | Manufactured Housing | Single Family Detached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450268 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out - Home Improvement | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450268 | Upsize | XXX | XXX | XXX |  | Original LTV | 42.42 | 49.91 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |  |  |
| 6452450268 | Upsize | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452451113 | Upsize | XXX | XXX | XXX |  | Note Date | 2018-12-XX | 2018-12-XX | Field Value reflects Note Date per the Note |  |  |
| 6452451046 | Upsize | XXX | XXX | XXX |  | Note Date | 2015-09-XX | 2015-09-XX | Field Value reflects Note Date per the Note |  |  |
| 6452451046 | Upsize | XXX | XXX | XXX |  | Original P&I | 2037.95 | 2087.01 | Field Value reflects Note value |  |  |
| 6452451046 | Upsize | XXX | XXX | XXX |  | Property Type | Multi (Blanket) | 4 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452451046 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Rate/Term | Cash-out - Other | Field Value reflects borrower not receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450134 | Upsize | XXX | XXX | XXX |  | Note Date | 2020-10-XX | 2020-10-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450097 | Upsize | XXX | XXX | XXX |  | Note Date | 2015-08-XX | 2015-08-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450097 | Upsize | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452450529 | Upsize | XXX | XXX | XXX |  | Note Date | 2018-08-XX | 2018-08-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450529 | Upsize | XXX | XXX | XXX |  | Original P&I | 3210.35 | 3660.94 | Field Value reflects Note value |  |  |
| 6452449032 | Upsize | XXX | XXX | XXX |  | Note Date | 2017-07-XX | 2017-07-XX | Field Value reflects Note Date per the Note |  |  |
| 6452449846 | Upsize | XXX | XXX | XXX |  | Note Date | 2019-09-XX | 2019-08-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450084 | Upsize | XXX | XXX | XXX |  | Note Date | 2017-05-XX | 2017-05-XX | Field Value reflects Note Date per the Security Instrument |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX |  | Note Date | 2018-12-XX | 2018-11-XX | Field Value reflects Note Date per the Security Instrument |  |  |
| 6452451235 | Upsize | XXX | XXX | XXX |  | Original P&I | 1761.67 | 2265.00 | As per 1003 and CD considered this data |  |  |
| 6452450002 | Upsize | XXX | XXX | XXX |  | Note Date | 2018-10-XX | 2018-10-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450002 | Upsize | XXX | XXX | XXX |  | Original P&I | 814.69 | 1560.63 | Field Value reflects Note value |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX |  | Note Date | 2014-10-XX | 2014-10-XX | Field Value reflects Note Date per the Note |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX |  | Original P&I | 1063.28 | 1866.67 | Field Value reflects Note value |  |  |
| 6452450759 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Unable to verify due to missing information |  |  |
| 6452449925 | Upsize | XXX | XXX | XXX |  | Borrower Last Name | XXX | XXX | Field Value reflects Borrower name as it appears on the Note |  |  |
| 6452449925 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX |  | Original CLTV | 76.71 | 75.4 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX |  | Original LTV | 77 | 75.4 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449581 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX |  | Unable to verify due to missing information |  |  |
| 6452449309 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452449309 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452449309 | Upsize | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452450866 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 43.84 | 41.49632 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449883 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 49.18 | 29.41359 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449042 | Upsize | XXX | XXX | XXX |  | Property Type | PUD | Single Family Attached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449042 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450802 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 46.2 | 43.00004 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450229 | Upsize | XXX | XXX | XXX |  | Original P&I | 676.93 | 1336.08 | Field Value reflects Note value |  |  |
| 6452450229 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 50.5 | 34.26441 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452450947 | Upsize | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value reflects the Approval/AUS in file. |  |  |
| 6452450860 | Upsize | XXX | XXX | XXX |  | Original CLTV | 91.57 | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450860 | Upsize | XXX | XXX | XXX |  | Original LTV | 92 | 90 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450860 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX |  | Field value reflects source document |  |  |
| 6452449611 | Upsize | XXX | XXX | XXX |  | Borrower First Name | XXX | XXX | Field Value reflects Borrower name as it appears on the Note |  |  |
| 6452450245 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX |  | Field value reflects source document |  |  |
| 6452450240 | Upsize | XXX | XXX | XXX |  | Property Type | Condo (High Rise) | Condo (Low Rise) | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449394 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX |  | Field value reflects source document |  |  |
| 6452449070 | Upsize | XXX | XXX | XXX |  | Original CLTV | 51 | 47.04326 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452449448 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Rate/Term | Cash-out - Other | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450252 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450252 | Upsize | XXX | XXX | XXX |  | Property Type | Condo (High Rise) | Condo (Mid Rise) | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450283 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450283 | Upsize | XXX | XXX | XXX |  | Representative FICO | 734 | 727 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX |  | Borrower Last Name | XXX | XXX | Field Value reflects Borrower name as it appears on the Note |  |  |
| 6452449897 | Upsize | XXX | XXX | XXX |  | Representative FICO | 758 | 755 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450089 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450065 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 34.33 | 30.07658 | Income matched final 1003. UTD why the AUS used less income. |  |  |
| 6452450667 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450738 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450738 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out - Other | Cash-out - Home Improvement | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450738 | Upsize | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452450125 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452451094 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452451224 | Upsize | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452449333 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450876 | Upsize | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450876 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452451160 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 77.43 | 40.86865 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449390 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450315 | Upsize | XXX | XXX | XXX |  | Original CLTV | 77.57 | 76.25 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450315 | Upsize | XXX | XXX | XXX |  | Original LTV | 78 | 76.25 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450315 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX |  | Field value reflects source document |  |  |
| 6452450951 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 45.53 | 40.84622 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450795 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452451014 | Upsize | XXX | XXX | XXX |  | Original CLTV | 96 | 82.14286 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452451014 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452451014 | Upsize | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452451252 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451252 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Limited Cash-out GSE | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452451252 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 87.73973 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452451252 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452451252 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452449035 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449410 | Upsize | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452449410 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450645 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450645 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450408 | Upsize | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452450408 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450408 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450408 | Upsize | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452450408 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450408 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Max | 8 | 8.5 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452450408 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450408 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 74 | 30.14045 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452449796 | Upsize | XXX | XXX | XXX |  | Occupancy | Second Home | Primary | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452449796 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449796 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449796 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449796 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452449589 | Upsize | XXX | XXX | XXX |  | Original P&I | 3227.87 | 3227.86 | Field Value reflects Note value |  |  |
| 6452449589 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449589 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449589 | Upsize | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452449589 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452449589 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower not receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449589 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 70.72727 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452449228 | Upsize | XXX | XXX | XXX |  | City | XXX | XXX | Field Value reflects City per Note |  |  |
| 6452449228 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449228 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449228 | Upsize | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452449228 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452449228 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Max | 8 | 8.5 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452449228 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449228 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 81.44208 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452449228 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449228 | Upsize | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452450101 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450101 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | LIBOR - 1 Year (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450101 | Upsize | XXX | XXX | XXX |  | Margin | 2.75 | 2.25 | Field Value reflects 'Margin' per the Note |  |  |
| 6452450101 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 | 2.25 | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450101 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Max | 7.875 | 8.75 | Field Value reflects 'Interest Rate Life Maximum' per the Note |  |  |
| 6452450101 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450101 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450101 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 15 | 17.2964 | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |  |  |
| 6452450909 | Upsize | XXX | XXX | XXX |  | Property Type |  | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450909 | Upsize | XXX | XXX | XXX |  | Occupancy | Second Home | Investment | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452450909 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450909 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Month CMT (Weekly) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450909 | Upsize | XXX | XXX | XXX |  | Interest Rate Periodic Floor | 2 | 12 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450909 | Upsize | XXX | XXX | XXX |  | Interest Rate Periodic Cap | 2 | 12 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450909 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450909 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 59.07246 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452450909 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 28 | 38.99654 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452451159 | Upsize | XXX | XXX | XXX |  | Property Type |  | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452451159 | Upsize | XXX | XXX | XXX |  | Occupancy | Second Home | Investment | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452451159 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451159 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452451159 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 61.93548 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452451159 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 28 | 44.91682 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450249 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450249 | Upsize | XXX | XXX | XXX |  | Original P&I | 8524.94 | 8346.46 | Field Value reflects Note value |  |  |
| 6452450249 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450249 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450249 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 76.92308 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450249 | Upsize | XXX | XXX | XXX |  | Original LTV | 80 | 76.92308 | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |  |  |
| 6452450249 | Upsize | XXX | XXX | XXX |  | LTV Valuation Value | XXX | XXX | Field value reflects source document |  |  |
| 6452451156 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451156 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452451156 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452451156 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452451156 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450490 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450490 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450490 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 86.42857 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450490 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449828 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449828 | Upsize | XXX | XXX | XXX |  | Original P&I | 6636.40 | 6510.24 | Field Value reflects Note value |  |  |
| 6452449828 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449828 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449828 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449828 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450306 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450306 | Upsize | XXX | XXX | XXX |  | Original P&I | 3026.01 | 3052.30 | Field Value reflects Note value |  |  |
| 6452450306 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450306 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450306 | Upsize | XXX | XXX | XXX |  | Interest Rate Periodic Floor | 2 | 1 | Field Value reflects 'Interest Rate Periodic Floor' per the Note |  |  |
| 6452450306 | Upsize | XXX | XXX | XXX |  | Interest Rate Periodic Cap | 2 | 1 | Field Value reflects 'Interest Rate Periodic Cap' per the Note |  |  |
| 6452450306 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Cash-out - Other | Field Value reflects borrower not receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450306 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450306 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 24 | 10.54113 | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |  |  |
| 6452450658 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450658 | Upsize | XXX | XXX | XXX |  | Original P&I | 3152.20 | 3147.68 | Field Value reflects Note value |  |  |
| 6452450658 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452450658 | Upsize | XXX | XXX | XXX |  | Original LTV | 79 | 90 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450658 | Upsize | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452450658 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 30 | 18.14182 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450930 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450930 | Upsize | XXX | XXX | XXX |  | Original P&I | 2954.77 | 2943.87 | Field Value reflects Note value |  |  |
| 6452450930 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450930 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450930 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450930 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 89.9513 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450930 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450930 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 33 | 17.50595 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449007 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449007 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449007 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450726 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450726 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450726 | Upsize | XXX | XXX | XXX |  | Original P&I | 2100.79 | 2092.88 | Field Value reflects Note value |  |  |
| 6452450726 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450726 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450726 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450726 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 85 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450726 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452449977 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449977 | Upsize | XXX | XXX | XXX |  | Original P&I | 5086.91 | 5087.15 | Field Value reflects Note value |  |  |
| 6452449977 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449977 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449977 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449977 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449464 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452449464 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449464 | Upsize | XXX | XXX | XXX |  | Refi Purpose | Cash-out | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449464 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 83.73333 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449464 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449464 | Upsize | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452450263 | Upsize | XXX | XXX | XXX |  | Coborrower Last Name | XXX | XXX | Field Value reflects Co-Borrower name as it appears on the Note |  |  |
| 6452450263 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450263 | Upsize | XXX | XXX | XXX |  | Original P&I | 4867.92 | 4760.97 | Field Value reflects Note value |  |  |
| 6452450263 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450263 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450263 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 78.97664 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449496 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449496 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452449479 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449479 | Upsize | XXX | XXX | XXX |  | Original P&I | 8179.47 | 8164.83 | Field Value reflects Note value |  |  |
| 6452449479 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449479 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449479 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 75.4717 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452449078 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449078 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 73.2973 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449078 | Upsize | XXX | XXX | XXX |  | Origination Channel | Correspondent | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449078 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 39 | 36.82377 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449503 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449503 | Upsize | XXX | XXX | XXX |  | Original LTV | 9 | 90 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449503 | Upsize | XXX | XXX | XXX |  | Origination Channel | Correspondent | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449503 | Upsize | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452450362 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | Asset Depletion | Field Value reflects documentation located in origination file |  |  |
| 6452450362 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 70 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450362 | Upsize | XXX | XXX | XXX |  | Origination Channel | Correspondent | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450362 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 38 | 40.9032 | DTI is in line with the 1008 DTI |  |  |
| 6452450735 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452450735 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450735 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450735 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow without Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449541 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449541 | Upsize | XXX | XXX | XXX |  | Original P&I | 6093.37 | 6104.59 | Field Value reflects Note value |  |  |
| 6452449541 | Upsize | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452449541 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449541 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449541 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449541 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450192 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450192 | Upsize | XXX | XXX | XXX |  | Original P&I | 7512.89 | 7456.39 | Field Value reflects Note value |  |  |
| 6452450192 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450192 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450192 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower not receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450192 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452450192 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 36 | 40.48009 | Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM |  |  |
| 6452450342 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450342 | Upsize | XXX | XXX | XXX |  | Original P&I | 4746.31 | 4720.73 | Field Value reflects Note value |  |  |
| 6452450342 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450342 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450342 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450342 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449432 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449432 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449432 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449432 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452449432 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 77.08343 | Tape Value reflects the LTV value |  |  |
| 6452449519 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449519 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 87.5 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449519 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 42 | 46.68646 | Correctly updated as per document |  |  |
| 6452451170 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452451170 | Upsize | XXX | XXX | XXX |  | Original P&I | 3260.29 | 3643.07 | Field Value reflects Note value |  |  |
| 6452451170 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Unable to verify due to missing information |  |  |
| 6452451170 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451170 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452451170 | Upsize | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452451170 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 35 | 38.12394 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450651 | Upsize | XXX | XXX | XXX |  | City | XXX | XXX | Field Value reflects City per Note |  |  |
| 6452450651 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450651 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 69.77011 | Tape Value is rounded and within less than 1% of actual calculated CLTV |  |  |
| 6452450651 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow without Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450196 | Upsize | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450196 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450196 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450196 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow without Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452450196 | Upsize | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452451196 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452451196 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452451196 | Upsize | XXX | XXX | XXX |  | Original P&I | 4127.77 | 4127.78 | Field Value reflects Note value |  |  |
| 6452451196 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451196 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 84.99956 | Tape Value reflects the LTV value |  |  |
| 6452451196 | Upsize | XXX | XXX | XXX |  | Original LTV | 82 | 84.99956 | Tape Value reflects the CLTV value |  |  |
| 6452451196 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 36 | 40.37297 | DTI variance is due to lender using less monthly tax of $XXX |  |  |
| 6452449832 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449832 | Upsize | XXX | XXX | XXX |  | Original P&I | 1652.55 | 3623.92 | Field Value reflects Note value |  |  |
| 6452449832 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449832 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449832 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 78.08917 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449832 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 36 | 39.13452 | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |  |  |
| 6452450844 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450844 | Upsize | XXX | XXX | XXX |  | Original P&I | 3547.54 | 5585.14 | Field Value reflects Note value |  |  |
| 6452450844 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450844 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450844 | Upsize | XXX | XXX | XXX |  | Index Type |  | SOFR 30 Day Average | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450844 | Upsize | XXX | XXX | XXX |  | Interest Rate Change Frequency | 6 | 12 | Field Value reflects 'Interest Rate Change Frequency' per the Note |  |  |
| 6452450844 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 82.60368 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450844 | Upsize | XXX | XXX | XXX |  | PMI Company |  | XXX | Field value reflects source document |  |  |
| 6452450844 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 38 | 40.5999 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450734 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450734 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 50.871 | 40.84397 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449659 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449615 | Upsize | XXX | XXX | XXX |  | Street | XXX | XXX | Field Value reflects Street per Note |  |  |
| 6452449615 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449615 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450952 | Upsize | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452450952 | Upsize | XXX | XXX | XXX |  | Representative FICO | 790 | 781 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450952 | Upsize | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452450952 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450150 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450150 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450150 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 18.05 | 22.25456 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452450647 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450945 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450945 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Month CMT (Weekly) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450472 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450074 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450682 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450528 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects doc Type reflected on the Approval/AUS |  |  |
| 6452450542 | Upsize | XXX | XXX | XXX |  | Original Interest Rate | XX.XX | XX.XX | Field Value reflects the Note value |  |  |
| 6452450542 | Upsize | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452450542 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450542 | Upsize | XXX | XXX | XXX |  | First Interest Rate Change Date | 2020-09-XX | 2027-09-XX | Field Value reflects 'Interest Rate First Change Date' per the Note |  |  |
| 6452450542 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 26.431 | 23.2423 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449724 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | Asset Depletion | Field Value reflects documentation located in origination file |  |  |
| 6452450363 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450363 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452450840 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450840 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449895 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449895 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 34.609 | 38.00278 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452449105 | Upsize | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449105 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | Retirement Income - Fully Verified | Field Value reflects documentation located in origination file |  |  |
| 6452449105 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 30.764 | 47.23067 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452451200 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449576 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449576 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | Asset Depletion | Field Value reflects documentation located in origination file |  |  |
| 6452450836 | Upsize | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452450836 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450836 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 39.796 | 45.09211 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450859 | Upsize | XXX | XXX | XXX |  | Representative FICO | 801 | 779 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450859 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450568 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450568 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 21.22 | 23.89568 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452451099 | Upsize | XXX | XXX | XXX |  | Representative FICO | 789 | 739 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452451099 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451099 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 37.086 | 43.43901 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452449563 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449563 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449692 | Upsize | XXX | XXX | XXX |  | Property Type | Single Family Detached | 3 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449692 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449692 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449692 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Month CMT (Weekly) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449692 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 |  | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450126 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450126 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450126 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 |  | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452450126 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 27.16 | 31.90497 | Acknowledged, Verified and updated same as per the document. |  |  |
| 6452449469 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449229 | Upsize | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452449229 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449229 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449229 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 17.666 | 22.69687 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452451009 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451009 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 35.666 | 67.01477 | Field value does not contain negative cash flow from investment property. |  |  |
| 6452450332 | Upsize | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452450332 | Upsize | XXX | XXX | XXX |  | Representative FICO | 747 | 721 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450332 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450332 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Monthly) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449327 | Upsize | XXX | XXX | XXX |  | Property Type | Single Family Detached | 3 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449327 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449327 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 38.727 | 42.60537 | Variance in DTI due to REO properties calculations |  |  |
| 6452450329 | Upsize | XXX | XXX | XXX |  | Representative FICO | 790 | 773 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450329 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450329 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450329 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449682 | Upsize | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449682 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449682 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449682 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449389 | Upsize | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452449389 | Upsize | XXX | XXX | XXX |  | Property Type | Single Family Detached | Single Family Attached | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452449389 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450299 | Upsize | XXX | XXX | XXX |  | Representative FICO | 733 | 721 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452450299 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450186 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450186 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450186 | Upsize | XXX | XXX | XXX |  | Interest Rate Life Min | 2.75 |  | Field Value reflects 'Interest Rate Life Minimum' per the Note |  |  |
| 6452449418 | Upsize | XXX | XXX | XXX |  | Representative FICO | 803 | 795 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449418 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449418 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449151 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450780 | Upsize | XXX | XXX | XXX |  | Street |  | XXX | Field Value reflects Street per Note |  |  |
| 6452450780 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450285 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450285 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the ARM rider |  |  |
| 6452450285 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 41.809 | 35.95714 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452449312 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449312 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449429 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449429 | Upsize | XXX | XXX | XXX |  | Original P&I | 2804.98 | 2805.91 | Field Value reflects Note value |  |  |
| 6452449429 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449429 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 79.91307 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449429 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 34 | 26.07787 | Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit |  |  |
| 6452450246 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452450246 | Upsize | XXX | XXX | XXX |  | Original P&I | 4724.20 | 4769.11 | Field Value reflects Note value |  |  |
| 6452450246 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452450246 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Cash-out - Home Improvement | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452450246 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 78.97959 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452450246 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 38 | 42.93818 | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |  |  |
| 6452451045 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452451045 | Upsize | XXX | XXX | XXX |  | Original P&I | 7369.27 | 7344.89 | Field Value reflects Note value |  |  |
| 6452451045 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452451045 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451045 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452451045 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 79.53005 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449868 | Upsize | XXX | XXX | XXX |  | Zip | XXX | XXX | Field Value reflects Zip per Note |  |  |
| 6452449868 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449868 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452449868 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Correspondent Flow without Delegated UW | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449868 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452450764 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452450764 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 90 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450764 | Upsize | XXX | XXX | XXX |  | Original LTV | 9 | 90 | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452450764 | Upsize | XXX | XXX | XXX |  | Origination Channel | Broker | Retail | Field Value reflects Retail (Lender Originated) |  |  |
| 6452449343 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449343 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 80 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |  |  |
| 6452449875 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452449875 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Construction-Permanent | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452449875 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449875 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 85 | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |  |  |
| 6452449875 | Upsize | XXX | XXX | XXX |  | PMI Company | XXX | XXX | Field value reflects source document |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | Borrower First Name | XXX | XXX | Field Value reflects Borrower name as it appears on the Note |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | Borrower SSN | XXX | XXX | Field Value verified by application or other documentation in file |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | Coborrower First Name | XXX | XXX | Field Value reflects Co-Borrower name as it appears on the Note |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | Coborrower SSN | XXX | XXX | Field Value verified by application or other documentation in file |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | First Payment Date | XXXX-XX-XX | XXXX-XX-XX | Field Value reflects First Payment Date per the Note |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | Original P&I | 3836.22 | 3755.91 | Field Value reflects Note value |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | Occupancy | Primary | Second Home | Field Value reflects Occupancy per the Final Loan Application |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Final HUD-1/Final CD |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | Refi Purpose |  | Rate/Term | Field Value reflects borrower receiving cash out and/or paying off debts > $XXX or 2% of loan amount per HUD-1/CD |  |  |
| 6452451209 | Upsize | XXX | XXX | XXX |  | Original CLTV |  | 69.23077 | Unable to verify due to missing information |  |  |
| 6452450747 | Upsize | XXX | XXX | XXX |  | Purpose | Purchase | Refinance | Field Value reflects the Purpose per the Approval/AUS |  |  |
| 6452450747 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449914 | Upsize | XXX | XXX | XXX |  | Representative FICO | 759 | 684 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449914 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 2yr Full Doc | Field Value reflects documentation located in origination file |  |  |
| 6452449914 | Upsize | XXX | XXX | XXX |  | Investor: Qualifying Total Debt Ratio | 16.836 | 27.35617 | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |  |  |
| 6452450657 | Upsize | XXX | XXX | XXX |  | Property Type | Single Family Detached | 2 Family | Field Value captured from Appraisal or Valuation model in file |  |  |
| 6452450657 | Upsize | XXX | XXX | XXX |  | Index Type | US Treasury - 1 Year CMT (Weekly) | US Treasury - 1 Year CMT (Daily) | Field Value reflects 'Index Type' per the Note |  |  |
| 6452449075 | Upsize | XXX | XXX | XXX |  | Representative FICO | 742 | 728 | Field Value Representative FICO reflects the lowest mid score of all borrowers |  |  |
| 6452449075 | Upsize | XXX | XXX | XXX |  | Doc Type | Full | 1yr Full Doc | Field Value reflects documentation located in origination file |  |  |

---

## Exhibit 99.1

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Unique ID** | **Base/Upsize** | **LOANID** | **LOANID2** | **LOANUID** | **SLOANID** | **First Payment Date** | **Data Cutoff Date** | **Pay History Scope** | **Pay History Summary (MBA)** | **Months of Data Missing During Lookback** | **Delinquency During Lookback** |
| 6452450267 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 01/19/2016 | 24 | 000000000000111000000222 | 0 | 6 |
| 6452450505 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 09/30/2016 | 24 | 001111210000000110111111 | 0 | 14 |
| 6452450033 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 09/30/2016 | 24 | 001211001000000000000000 | 0 | 5 |
| 6452450642 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2017 | 24 | 010110000009999999999999 | 0 | 16 |
| 6452450077 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2017 | 24 | 000000000000000010000000 | 0 | 1 |
| 6452450492 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2017 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450809 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2017 | 24 | 000000000099999999999999 | 0 | 14 |
| 6452449015 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2017 | 24 | 000110323200009987654444 | 0 | 16 |
| 6452449958 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 04/30/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450754 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 04/30/2018 | 24 | 000000000000000100000000 | 0 | 1 |
| 6452450063 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 04/30/2018 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449677 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451203 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451116 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450014 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000001 | 0 | 1 |
| 6452449635 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451048 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449543 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449930 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2018 | 36 | 000000000010000000000000000000000000 | 0 | 1 |
| 6452450801 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 01/31/2018 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449272 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 09/30/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450624 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2020 | 24 | 000000000001000000001010 | 0 | 3 |
| 6452450109 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2020 | 24 | 000000000010000000000000 | 0 | 1 |
| 6452450445 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000001 | 0 | 1 |
| 6452450580 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450180 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000100011111101000021110 | 0 | 12 |
| 6452450314 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450264 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000988876543211102210100001000 | 0 | 18 |
| 6452450806 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000222110121100554433322321010054 | 0 | 24 |
| 6452450900 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450595 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000001000000000 | 0 | 1 |
| 6452449221 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000111111000000000 | 0 | 6 |
| 6452450171 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000007777654432100000000 | 0 | 11 |
| 6452449862 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000444443210000000000 | 0 | 8 |
| 6452449552 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450364 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000055555432100000000 | 0 | 9 |
| 6452450142 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000001000000000 | 0 | 1 |
| 6452450882 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 12/31/2019 | 36 | 000000000000000000000000004432111011 | 0 | 9 |
| 6452449521 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2017 | 24 | 765444332100000000000100 | 0 | 11 |
| 6452450022 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2017 | 24 | 221211100000000000000000 | 0 | 7 |
| 6452449114 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449081 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450621 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449013 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450367 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449531 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450304 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450826 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450511 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449489 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449934 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450485 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450107 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449132 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449908 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450451 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450062 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450755 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449753 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450507 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449194 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450035 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450753 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449348 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450676 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000001000000000 | 0 | 1 |
| 6452449124 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450905 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449707 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450268 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452451113 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 110000000021543210000100 | 0 | 10 |
| 6452451046 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450134 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450971 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000100000000000 | 0 | 1 |
| 6452450097 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450529 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449032 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449846 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450084 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450159 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450219 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452451235 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449781 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449587 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450002 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452450759 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 03/31/2023 | 24 | 000000000000000000000000 | 0 | 0 |
| 6452449394 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449159 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449070 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449169 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450683 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449672 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449969 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449448 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449806 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451089 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449522 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450940 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449363 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| 6452450252 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449710 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449648 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450614 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450254 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450166 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449786 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450283 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449627 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451051 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450206 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449123 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449773 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449477 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450120 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449897 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450427 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449011 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450452 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450968 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450242 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450089 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 07/31/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451252 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449410 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449035 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450645 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450408 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000100100000000000000000000 | 0 | 2 |
| 6452449796 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000032212100000010111001000010 | 0 | 12 |
| 6452449589 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449228 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450101 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450909 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451159 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450249 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449312 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451156 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449429 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000100000000000000 | 0 | 1 |
| 6452450490 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449828 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450306 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450658 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450246 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450930 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451045 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449868 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449007 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450726 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450764 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449977 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 0000000000000000000000000000000000NN | 0 | 0 |
| 6452449464 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449343 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450263 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449496 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449479 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| 6452449078 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449503 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450362 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450735 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449875 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| 6452451209 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 0000000000000000000000000000000000NN | 0 | 0 |
| 6452449541 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000NNN | 0 | 0 |
| 6452450192 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000010000000000NNNNNNNNN | 0 | 1 |
| 6452450342 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 00000000000000000000000000NNNNNNNNNN | 0 | 0 |
| 6452449432 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000NNNNNN | 0 | 0 |
| 6452449519 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000001001NNNNNNNNNNNN | 0 | 2 |
| 6452451170 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 0000000000000000000000000NNNNNNNNNNN | 0 | 0 |
| 6452450651 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000001000000000000NNNNNNNNNNNN | 0 | 1 |
| 6452450196 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000NNNNNNNNNNNN | 0 | 0 |
| 6452451196 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000NNNNNNNNNNNN | 0 | 0 |
| 6452449832 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000NNNNNNNNNNNNNNNNNN | 0 | 0 |
| 6452450844 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 00000000000000NNNNNNNNNNNNNNNNNNNNNN | 0 | 0 |
| 6452450528 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450074 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450780 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| 6452450542 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450657 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450952 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450332 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449659 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451200 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449327 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449914 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451009 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449075 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| 6452450285 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450945 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450363 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451099 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450647 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452451221 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450836 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450682 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449105 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449724 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449389 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449895 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450743 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449469 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450574 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449151 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450299 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450859 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450568 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449229 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450734 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450747 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449576 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450186 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450472 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449418 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 00000000000000000000000000000000000N | 0 | 0 |
| 6452450126 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450150 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450840 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449615 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449563 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449682 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452449692 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |
| 6452450329 | Upsize | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | 11/30/2024 | 36 | 000000000000000000000000000000000000 | 0 | 0 |

---

## Exhibit 99.1

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  | **Base/Upsize** | **LOANID** | **LOANID2** | **SLOANID** | **Final Current Event Level** | **Current Exceptions** | **Servicing Comments** | **Status Date** | **Last Action Date per Servicer** |
| 6452450505 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Authorized third party making payment today, she is an authorized signer on this checking account both she and her husband are authorized signers on this account and also have debit cards associated with it. Authorize third party made payment for $X.XX, dated today XX/XX/XXXX, no fee on XX account. Advised on unpaid balance of $X.XX.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> EXIT STRATEGY:<br> ADDITIONAL INFORMATION: N/A | 09/30/2016 | 10/05/2016 |
| 6452449901 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY:<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower spoke to the servicer in regards to the account and status of insurance and additional mortgage questions.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> MODIFICATION: There is no evidence of current or prior modification.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> EXIT STRATEGY: The recommended exit strategy is N/A.<br> ADDITIONAL INFORMATION: N/A | 07/31/2018 | 10/25/2018 |
| 6452451203 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in and made a payment over the phone.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 12/03/2018 |
| 6452451116 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 11/26/2018 |
| 6452450014 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 07/24/2018 |
| 6452449635 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 08/31/2018 |
| 6452451048 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 09/12/2018 |
| 6452449543 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 10/04/2018 |
| 6452449930 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Co-borrower called in to inquire and verify the increase in payment. Transferred to customer service.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2018 | 10/02/2018 |
| 6452450801 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: Recast agreement was completed on XX/XX/XXXX with an effective date of XX/XX/XXXX. | 01/31/2018 | 01/30/2018 |
| 6452450445 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promise to pay the amount of $X.XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/25/2019 |
| 6452450180 | Upsize | XXXX | XXXX | XXXX | 2 | [2] Payoff has been requested within the last 60 days | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower called to confirm payment scheduled for XX/XX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 12/27/2019 |
| 6452450580 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/09/2019 |
| 6452450314 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX. The last payment was received on XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. No contact attempts in comments, however, there was a response to an email to borrower on XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 09/30/2019 |
| 6452450264 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower spoke to the servicer about new mod completed.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 10/14/2019 |
| 6452450595 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower made a promise to pay,<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The property was located in a XXX disaster area due to XXX on XX/XX/XXXX. The claim was classified as non-monitored. | 12/31/2019 | 10/12/2019 |
| 6452449221 | Upsize | XXXX | XXXX | XXXX | 3 | [3] Damaged/Occupied/XXX - Damage remains unresolved and no indication covered by insurance<br>[1] Mortgagor Deceased - Executor/Heir exists to dispose of property; identified and documented | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called in to make a payment. Borrower is deceased and Executor/Heir exists to dispose of property; identified and documented. The date of death is XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is evidence of reaffirmation. A prior chapter XX was filed with #XXX on XX/XX/XXXX and dismissed on XX/XX/XXXX.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is XXX. The borrower reported damage on XX/XX/XXXX due to XXX. Damage was noted to XXX and XXX. The details of the damage and status of repairs were not provided and there is no evidence of a claim being filed. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The property is located in a XXX declared disaster area due to XXX and noted on XX/XX/XXXX. | 12/31/2019 | 09/29/2019 |
| 6452450806 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Called and spoke with borrower and the call was interrupted.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is occupied-UTD.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 10/14/2019 |
| 6452450900 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 12/31/2019 |
| 6452450882 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is good. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 10/11/2019 |
| 6452449552 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 07/31/2019 |
| 6452450142 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower requested a payoff statement.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: N/A | 12/31/2019 | 06/07/2019 |
| 6452449862 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. On XX/XX/XXXX the borrower wanted to followup with the extension status. The servicer advised the account was now current. The borrower also referenced wanting to apply for a HELOC.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The property is located in a XXX disaster zone due to XXX noted on XX/XX/XXXX. | 12/31/2019 | 07/05/2019 |
| 6452450171 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. Borrower promised to make payment within the grace period.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: XX/XX/XXXX- Forbearance review XXX. No damage reported. | 12/31/2019 | 11/26/2019 |
| 6452450364 | Upsize | XXXX | XXXX | XXXX | 1 |  | LOAN STATUS: The current loan status is Performing.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was XX/XX/XXXX. The borrower called to change his homeowners insurance information.<br> EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied.<br> ADDITIONAL INFORMATION: The property is located in a XXX Disaster Area due to XXX noted on XX/XX/XXXX. No damages were reported. | 12/31/2019 | 09/16/2019 |
| 6452449521 | Upsize | XXXX | XXXX | XXXX | 3 | [3] Loan is in Foreclosure | EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> LOAN STATUS: The current loan status is Foreclosure.<br> PAY HISTORY: The next due and payment received dates are unavailable in the information provided.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. The foreclosure is active and no evidence of holds, delays, or obstructions. The next projected foreclosure step is sale.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 03/31/2017 | 06/02/2017 |
| 6452450022 | Upsize | XXXX | XXXX | XXXX | 2 | [2] Currently Delinquent Mortgage | EVIDENCE OF DISPUTE: No evidence of borrower dispute.<br> LOAN STATUS: The current loan status is Delinquent.<br> PAY HISTORY: The loan is next due for XX/XX/XXXX.<br> BORROWER CONTACT: No evidence of recent contact with the borrower.<br> REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided.<br> FORECLOSURE: No evidence of current foreclosure activity.<br> BANKRUPTCY: There is no evidence of current or prior bankruptcy.<br> LITIGATION: There is no evidence of litigation on the file.<br> TITLE ISSUES: There is no evidence of title issues.<br> PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is UTD.<br> ADDITIONAL INFORMATION: N/A | 03/31/2017 | 06/02/2017 |

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## Exhibit 99.1

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| **Unique Loan ID** | **Base/Upsize** | **Customer Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Mod Comments** | **Borrower Name** | **Street** | **City** | **State** | **Zip** | **Mod Flag** | **Mod Doc Status** | **Mod Amortization Type** | **Total Amount Deferred** | **Mod UPB** | **Mod Principal Forgiven** | **Mod Amount Capitalized** | **Mod Deferred Balance** | **Mod Accruing UPB** | **Mod Date** | **Mod First Payment Date** | **Mod Maturity Date** | **Mod Original Term** | **Mod Amortization Term** | **Mod Original Interest Rate** | **Mod P&I** | **Mod P&I - Calculated** | **Mod Payment Frequency** | **Mod Interest Collection Type** | **Mod Interest Only?** | **Mod Interest Only Period** | **Mod Interest Only Period Expiration** | **Mod Balloon?** | **Mod Neg Am?** | **Mod Months Extended** | **Mod Neg Am Cap (% of UPB)** | **Principal Reduction Alternative** | **Balance Eligible** | **Principal Reduction Alt Amount** | **PRA Year 1 Anniversary Date** | **PRA Year 1 Reduction Amount** | **PRA Year 2 Anniversary Date** | **PRA Year 2 Reduction Amount** | **PRA Year 3 Anniversary Date** | **PRA Year 3 Reduction Amount** | **Mod Program Type** | **Mod Cure** | **Mod Teaser Rate** | **Mod Rate Change Frequency (Payments)** | **Mod Payment Change Frequency (Payments)** | **Mod First Interest Rate Change Date** | **Mod First Payment Change Date** | **Mod Next Interest Rate Change Date** | **Mod Next Payment Change Date** | **Mod Index Type / ARM Type** | **Mod Lookback Period** | **Mod Rounding Factor** | **Mod Rounding Method** | **Mod Initial Rate Cap** | **Mod Initial Rate Floor** | **Mod Initial Rate Maximum** | **Mod Initial Rate Minimum** | **Mod Life Rate Cap** | **Mod Life Rate Floor** | **Mod Life Rate Maximum** | **Mod Life Rate Minimum** | **Mod Periodic Rate Cap** | **Mod Periodic Rate Floor** | **Mod Margin** | **Step 1 Rate Change Date** | **Step 1 Payment Change Date** | **Step 1 Rate** | **Step 1 P&I** | **Step 1 # Payments** | **Step 2 Rate Change Date** | **Step 2 Payment Change Date** | **Step 2 Rate** | **Step 2 P&I** | **Step 2 # Payments** | **Step 3 Rate Change Date** | **Step 3 Payment Change Date** | **Step 3 Rate** | **Step 3 P&I** | **Step 3 # Payments** | **Step 4 Rate Change Date** | **Step 4 Payment Change Date** | **Step 4 Rate** | **Step 4 P&I** | **Step 4 # Payments** | **Step 5 Rate Change Date** | **Step 5 Payment Change Date** | **Step 5 Rate** | **Step 5 P&I** | **Step 5 # Payments** | **Step 6 Rate Change Date** | **Step 6 Payment Change Date** | **Step 6 Rate** | **Step 6 P&I** | **Step 6 # Payments** | **Step 7 Rate Change Date** | **Step 7 Payment Change Date** | **Step 7 Rate** | **Step 7 P&I** | **Step 7 # Payments** | **Step 8 Rate Change Date** | **Step 8 Payment Change Date** | **Step 8 Rate** | **Step 8 P&I** | **Step 8 # Payments** | **Step 9 Rate Change Date** | **Step 9 Payment Change Date** | **Step 9 Rate** | **Step 9 P&I** | **Step 9 # Payments** | **Step 10 Rate Change Date** | **Step 10 Payment Change Date** | **Step 10 Rate** | **Step 10 P&I** | **Step 10 # Payments** | **Mod Prepayment Penalty?** | **Mod Prepayment Penalty Period (months)** | **Mod Prepayment Penalty Percent Amount Year 1** | **Mod Prepayment Penalty Percent Amount Year 2** | **Mod Prepayment Penalty Percent Amount Year 3** | **Mod Prepayment Penalty Percent Amount Year 4** | **Mod Prepayment Penalty Percent Amount Year 5** | **Mod Prepayment Balance Allowance** | **Mod Prepayment Balance Type** | **Mod Hard Penalty Period (Months)** | **Mod Maximum Prepayment Penalty Amount** | **Mod Prepayment Penalty Enforcement** | **Mod Prepayment Penalty Expiration Date** | **Mod Prepayment Penalty Months Interest** | **Mod Stated Penalty Amount** | **Mod Prepayment Terms** | **Mod Extension Deferment?** | **Mod Extension Date** | **New Maturity Date** | **Mod Extension Months** | **Latest Mod Deferment Date** | **Number of Deferments** | **Total Mod Deferment Amount** |
| 6452449854 | Upsize | XXX | XXX | XXX |  | XXX | XXX | XXX | NY | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX |  | 11/XX/2003 | 1/XX/2004 | 5/XX/2030 | 317 | 317 | 5.750% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 12/XX/2010 | 1/XX/2011 | 12/XX/2016 | 1/XX/2017 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 2.000% | 7.750% | 3.750% | 5.000% | 3.000% | 10.750% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450267 | Upsize | XXX | XXX | XXX |  | XXX | XXX | XXX | VA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX |  | 5/XX/2010 | 6/XX/2010 | 5/XX/2050 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 160 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5/XX/2010 | 6/XX/2010 | 2.000% | XXX | 60 | 5/XX/2015 | 6/XX/2015 | 3.000% | XXX | 12 | 5/XX/2016 | 6/XX/2016 | 4.000% | XXX | 12 | 5/XX/2017 | 6/XX/2017 | 4.875% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5/XX/2014 | 7/XX/2050 | 2 |  |  | XXX |
| 6452450642 | Upsize | XXX | XXX | XXX |  |  | XXX | XXX | GA | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 1/XX/2016 | 2/XX/2016 | 12/XX/2035 | 239 | 239 | 4.875% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 20 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450077 | Upsize | XXX | XXX | XXX | XXX |  | XXX | XXX | FL | XXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX | XXX | 1/XX/2014 | 3/XX/2014 | 2/XX/2044 | 360 | 360 | 4.375% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 94 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450492 | Upsize | XXX | XXX | XXX |  |  | XXX | XXX | FL | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 9/XX/2014 | 9/XX/2014 | 8/XX/2044 | 360 | 360 | 5.125% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 71 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450809 | Upsize | XXX | XXX | XXX |  |  | XXX | XXX | FL | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2016 | 2/XX/2016 | 1/XX/2056 | 480 | 480 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 228 |  | Yes | XXX | XXX | 2/XX/2017 | XXX | 2/XX/2018 | XXX | 2/XX/2019 | XXX | Non-HAMP | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2019 | 2/XX/2019 | 4.000% | XXX | 12 | 1/XX/2020 | 2/XX/2020 | 5.000% | XXX | 12 | 1/XX/2021 | 2/XX/2021 | 6.000% | XXX | 420 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449015 | Upsize | XXX | XXX | XXX |  |  | XXX | XXX | MD | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 5/XX/2014 | 6/XX/2014 | 5/XX/2054 | 480 | 480 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 200 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449958 | Upsize | XXX |  | XXX |  | XXX | XXX | XXX | CA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2012 | 3/XX/2012 | 2/XX/2052 | 480 | 480 | 2.750% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 193 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2017 | 3/XX/2017 | 3.750% | XXX | 12 | 2/XX/2018 | 3/XX/2018 | 4.000% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450754 | Upsize | XXX |  | XXX |  | XXX | XXX | XXX | NY | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 5/XX/2015 | 6/XX/2015 | 5/XX/2055 | 480 | 480 | 4.625% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 211 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450063 | Upsize | XXX |  | XXX |  | XXX | XXX | XXX | CA | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2010 | 2/XX/2010 | 1/XX/2050 | 480 | 480 | 2.925% | XXX | XXX | Monthly | In Arrears | Yes | 120 | 1/XX/2020 | No | No | 166 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2015 | 2/XX/2015 | 3.925% | XXX | 12 | 1/XX/2016 | 2/XX/2016 | 4.750% | XXX | 48 | 1/XX/2020 | 2/XX/2020 | 4.750% | XXX | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449677 | Upsize | XXX | XXX | XXX |  | XXX | XXX | XXX | MD | XXX | Yes | Complete | Fixed | XXX |  | XXX | XXX | XXX |  | 3/XX/2013 | 4/XX/2013 | 3/XX/2037 | 288 | 288 | 4.250% | XXX |  | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | DOJ | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449901 | Upsize | XXX | XXX | XXX |  |  | XXX | XXX | CA | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451203 | Upsize | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 12/XX/2011 | 12/XX/2011 | 4/XX/2041 | 353 | 353 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 43 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451116 | Upsize | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2011 | 3/XX/2011 | 2/XX/2051 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 186 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2016 | 3/XX/2016 | 3.000% | XXX | 12 | 2/XX/2017 | 3/XX/2017 | 4.000% | XXX | 12 | 2/XX/2018 | 3/XX/2018 | 4.750% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450014 | Upsize | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2011 | 2/XX/2011 | 1/XX/2051 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 213 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2016 | 2/XX/2016 | 3.000% | XXX | 12 | 1/XX/2017 | 2/XX/2017 | 4.000% | XXX | 12 | 1/XX/2018 | 2/XX/2018 | 4.750% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449635 | Upsize | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2012 | 4/XX/2012 | 3/XX/2052 | 480 | 480 | 4.625% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 221 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451048 | Upsize | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 12/XX/2011 | 1/XX/2012 | 12/XX/2051 | 480 | 480 | 5.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 199 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449543 | Upsize | XXX | XXX | XXX | XXX |  |  |  |  |  | Yes | Complete | GPM | XXX |  | XXX | XXX | XXX | XXX | 12/XX/2017 | 12/XX/2017 | 11/XX/2051 | 408 | 408 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 190 |  | No |  |  |  |  |  |  |  |  | Recast / Reamortization | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11/XX/2018 | 12/XX/2018 | 4.125% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449930 | Upsize | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 2/XX/2011 | 2/XX/2011 | 8/XX/2047 | 439 | 439 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 346 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1/XX/2016 | 2/XX/2016 | 3.000% | XXX | 12 | 1/XX/2017 | 2/XX/2017 | 4.000% | XXX | 12 | 1/XX/2018 | 2/XX/2018 | 4.750% | XXX | 355 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450801 | Upsize | XXX | XXX | XXX | XXX |  | XXX | XXX | MI | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 4/XX/2017 | 6/XX/2017 | 4/XX/2051 | 407 | 407 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 391 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4/XX/2018 | 5/XX/2018 | 5.000% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449272 | Upsize | XXX | XXX | XXX |  |  | XXX | XXX | GA | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 12/XX/2011 | 1/XX/2012 | 12/XX/2046 | 420 | 420 | 4.125% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 120 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450770 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | WI | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2016 | 4/XX/2016 | 3/XX/2056 | 480 | 480 | 3.500% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 221 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default with capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450445 | Upsize | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 1/XX/2004 | 1/XX/2004 | 10/XX/2031 | 334 | 334 | 7.250% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450180 | Upsize | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 10/XX/2014 | 10/XX/2014 | 9/XX/2054 | 480 | 480 | 4.625% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 266 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450580 | Upsize | XXX | XXX | XXX |  |  |  |  |  |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2014 | 3/XX/2014 | 2/XX/2054 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 252 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2019 | 3/XX/2019 | 3.000% | XXX | 12 | 2/XX/2020 | 3/XX/2020 | 4.000% | XXX | 12 | 2/XX/2021 | 3/XX/2021 | 4.375% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450314 | Upsize | XXX | XXX | XXX |  |  |  | XXX | NY |  | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 9/XX/2012 | 9/XX/2012 | 5/XX/2040 | 333 | 333 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 69 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8/XX/2017 | 9/XX/2017 | 3.000% | XXX | 12 | 8/XX/2018 | 9/XX/2018 | 3.500% | XXX | 261 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450264 | Upsize | XXX | XXX | XXX |  |  |  | XXX | NY |  | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2019 | 6/XX/2019 | 5/XX/2059 | 480 | 480 | 4.625% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 291 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450595 | Upsize | XXX | XXX | XXX |  |  |  | XXX | FL | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2010 | 3/XX/2010 | 2/XX/2050 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 170 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2015 | 3/XX/2015 | 3.000% | XXX | 12 | 2/XX/2016 | 3/XX/2016 | 4.000% | XXX | 12 | 2/XX/2017 | 3/XX/2017 | 5.000% | XXX | 396 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449221 | Upsize | XXX | XXX | XXX |  |  |  | XXX | FL | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 10/XX/2011 | 10/XX/2011 | 7/XX/2041 | 358 | 358 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 39 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9/XX/2016 | 10/XX/2016 | 3.000% | XXX | 12 | 9/XX/2017 | 10/XX/2017 | 4.000% | XXX | 12 | 9/XX/2018 | 10/XX/2018 | 4.250% | XXX | 274 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450806 | Upsize | XXX | XXX | XXX |  |  |  | XXX | AZ | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 8/XX/2016 | 8/XX/2016 | 7/XX/2056 | 480 | 480 | 3.875% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 228 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450900 | Upsize | XXX | XXX | XXX |  |  |  | XXX | NY | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 7/XX/2012 | 7/XX/2012 | 6/XX/2052 | 480 | 480 | 4.625% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 176 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450882 | Upsize | XXX | XXX | XXX |  |  |  | XXX | TX | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 12/XX/2017 | 12/XX/2017 | 11/XX/2057 | 480 | 480 | 4.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 238 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449552 | Upsize | XXX | XXX | XXX |  |  |  | XXX | IL | XXX | Yes | Complete | GPM | XXX | XXX | XXX | XXX | XXX | XXX | 3/XX/2013 | 3/XX/2013 | 2/XX/2053 | 480 | 480 | 2.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 176 |  | No |  |  |  |  |  |  |  |  | HAMP - Active Perm | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2018 | 3/XX/2018 | 3.000% | XXX | 12 | 2/XX/2019 | 3/XX/2019 | 3.375% | XXX | 408 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450142 | Upsize | XXX | XXX | XXX |  |  |  | XXX | WA | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 10/XX/2012 | 10/XX/2012 | 9/XX/2052 | 480 | 480 | 4.625% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 163 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449862 | Upsize | XXX | XXX | XXX | XXX |  |  | XXX | FL | XXX | Yes |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 7/XX/2018 | 4/XX/2042 | 5 |  |  | XXX |
| 6452450171 | Upsize | XXX | XXX | XXX | XXX |  |  | XXX | FL | XXX | Yes |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 9/XX/2018 | 3/XX/2043 | 8 |  |  | XXX |
| 6452450364 | Upsize | XXX | XXX | XXX |  |  |  | XXX | TX | XXX | Yes | Complete | Fixed | XXX | XXX | XXX | XXX | XXX | XXX | 7/XX/2018 | 7/XX/2018 | 6/XX/2058 | 480 | 480 | 4.125% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 155 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450022 | Upsize | XXX | XXX |  | XXX |  |  | XXX | RI | XXX | Yes | Incomplete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 5/XX/2008 | 7/XX/2008 | 6/XX/2038 | 360 | 360 | 3.500% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 21 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 6/XX/2011 | 7/XX/2011 | 6/XX/2017 | 7/XX/2017 | LIBOR - 1 Year (Daily) | 45 days | 0.125 | Nearest | 2.000% | 2.000% | 5.500% | 1.500% | 9.500% | 3.500% | 13.000% |  | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450408 | Upsize | XXX | XXX |  | XXX | XXX | XXX | XXX | FL | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 6/XX/2021 | 7/XX/2021 | 3/XX/2047 | 309 | 309 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 6/XX/2031 | 7/XX/2031 | 6/XX/2031 | 7/XX/2031 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 0.250% | 5.000% | 2.750% | 5.000% | 0.250% | 8.000% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449796 | Upsize | XXX | XXX |  | XXX | XXX | XXX | XXX | IL | XXX | Yes |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes |  | 11/XX/2049 |  | 10/XX/2020 | 1 | XXX |
| 6452449589 | Upsize | XXX | XXX |  | XXX | XXX | XXX | XXX | IL | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 11/XX/2021 | 11/XX/2021 | 12/XX/2049 | 338 | 338 | 2.875% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 10/XX/2031 | 11/XX/2031 | 10/XX/2031 | 11/XX/2031 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 0.125% | 4.875% | 2.750% | 5.000% | 0.125% | 7.875% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449228 | Upsize | XXX | XXX |  | XXX | XXX | XXX | XXX | IL | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 7/XX/2021 | 7/XX/2021 | 1/XX/2050 | 343 | 343 | 3.000% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 6/XX/2031 | 7/XX/2031 | 6/XX/2031 | 7/XX/2031 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 0.250% | 5.000% | 2.750% | 5.000% | 0.250% | 8.000% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450101 | Upsize | XXX | XXX |  | XXX | XXX | XXX | XXX | IL | XXX | Yes | Complete | ARM | XXX | XXX | XXX | XXX | XXX | XXX | 10/XX/2021 | 10/XX/2021 | 1/XX/2050 | 340 | 340 | 2.875% | XXX | XXX | Monthly | In Arrears | No |  |  | No | No | 0 |  | No |  |  |  |  |  |  |  |  | Non-HAMP | Cure default without capitalization |  | 12 | 12 | 9/XX/2031 | 10/XX/2031 | 9/XX/2031 | 10/XX/2031 | US Treasury - 1 Year CMT (Weekly) | 45 days | 0.125 | Nearest | 2.000% | 0.125% | 4.875% | 2.750% | 5.000% | 0.125% | 7.875% | 2.750% | 2.000% | 2.000% | 2.750% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450249 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449429 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449828 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450306 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450658 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450246 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MN | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450930 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451045 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450726 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449977 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451209 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MI | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449541 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MI | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450192 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450342 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | IL | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452451170 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452449832 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |
| 6452450844 | Upsize | XXX | XXX |  |  | XXX | XXX | XXX | MO | XXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | XXX |

---

## Exhibit 99.1

---

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| **SitusAMC Loan ID** | **TRUST** | **Collateral ID** | **FKID** | **Unique Loan ID** | **Base/Upsize** | **Target LP** | **Servicer Loan ID** | **Borrower Name** | **Co-Borrower** | **Property Address** | **City** | **State** | **Zipcode** | **County** | **Loan Amount** | **Origination Date** | **Search Date** | **Search Update Date** | **Mortgage Needed** | **Data Updated** | **TPOL to Review** | **Lien Position** | **Modification Flag** | **AOM Chain Issues Summary** | **Curr Loan Beneficiary** | **Vesting Issue** | **Judgments Before Target** | **Total Judgments Before Lien** | **Superlien State** | **HOA Superlien** | **HOA Amount** | **HOA Superliens with Consideration for Effective Dates and SOL** | **HOA Superlien Amount** | **Muni Lien** | **Muni Amount** | **Unknown HOA/Muni Lien Amt** | **TPOL Reviewed** | **Exception to Judgment Ahead of Lien or Prior Mtg** | **Specific Exceptions** | **TPOL Notes** | **Tax Cert Delinquent** | **Tax Delinquent Amount** | **Tax Delinq Amt Good Thru** | **Tax Sale** | **Tax Sold Amount** | **Tax Year Sold** | **Tax Delinq Detail** | **Notes** | **Type of Deed** | **Grantee** | **Grantor** | **Dated** | **Recorded** | **Rec Book** | **Rec Page** | **Rec Instrument #** | **1st MTG Amount** | **1st MTG Type** | **1st MTG Borrower** | **1st MTG Lender** | **1st MTG is Open Ended** | **1st MTG Dated** | **1st MTG Recorded** | **1st MTG Rec Book** | **1st MTG Rec Page** | **1st MTG Rec Instrument** | **1st MTG Maturity Date** | **1st MTG Notes** | **1st MTG is Subject** | **1st MTG 1st AOM From** | **1st MTG 1st AOM To** | **1st MTG 1st AOM Dated** | **1st MTG 1st AOM Recorded** | **1st MTG 1st AOM Rec Book** | **1st MTG 1st AOM Rec Page** | **1st MTG 1st AOM Rec Instrument** | **1st MTG 1st AOM Issues** | **1st MTG 1st AOM Chain Issue s** | **1st MTG 2nd AOM From** | **1st MTG 2nd AOM To** | **1st MTG 2nd AOM Dated** | **1st MTG 2nd AOM Recorded** | **1st MTG 2nd AOM Rec Book** | **1st MTG 2nd AOM Rec Page** | **1st MTG 2nd AOM Rec Instrument** | **1st MTG 2nd AOM Issues** | **1st MTG 2nd AOM Chain Issue s** | **1st MTG 3rd AOM From** | **1st MTG 3rd AOM To** | **1st MTG 3rd AOM Dated** | **1st MTG 3rd AOM Recorded** | **1st MTG 3rd AOM Rec Book** | **1st MTG 3rd AOM Rec Page** | **1st MTG 3rd AOM Rec Instrument** | **1st MTG 3rd AOM Issues** | **1st MTG 3rd AOM Chain Issue s** | **1st MTG 4th AOM From** | **1st MTG 4th AOM To** | **1st MTG 4th AOM Dated** | **1st MTG 4th AOM Recorded** | **1st MTG 4th AOM Rec Book** | **1st MTG 4th AOM Rec Page** | **1st MTG 4th AOM Rec Instrument** | **1st MTG 4th AOM Issues** | **1st MTG 4th AOM Chain Issue s** | **1st MTG 5th AOM From** | **1st MTG 5th AOM To** | **1st MTG 5th AOM Dated** | **1st MTG 5th AOM Recorded** | **1st MTG 5th AOM Rec Book** | **1st MTG 5th AOM Rec Page** | **1st MTG 5th AOM Rec Instrument** | **1st MTG 5th AOM Issues** | **1st MTG 5th AOM Chain Issue s** | **1st MTG 1st MOD From** | **1st MTG 1st MOD Dated** | **1st MTG 1st MOD Recorded** | **1st MTG 1st MOD Rec Book** | **1st MTG 1st MOD Rec Page** | **1st MTG 1st MOD Rec Instrument** | **1st MTG 1st MOD New Loan Amount** | **1st MTG 1st MOD Other Reason for MOD** | **1st MTG 2nd MOD From** | **1st MTG 2nd MOD Dated** | **1st MTG 2nd MOD Recorded** | **1st MTG 2nd MOD Rec Book** | **1st MTG 2nd MOD Rec Page** | **1st MTG 2nd MOD Rec Instrument** | **1st MTG 2nd MOD New Loan Amount** | **1st MTG 2nd MOD Other Reason for MOD** | **1st MTG 3rd MOD From** | **1st MTG 3rd MOD Dated** | **1st MTG 3rd MOD Recorded** | **1st MTG 3rd MOD Rec Book** | **1st MTG 3rd MOD Rec Page** | **1st MTG 3rd MOD Rec Instrument** | **1st MTG 3rd MOD New Loan Amount** | **1st MTG 3rd MOD Other Reason for MOD** | **2nd MTG Amount** | **2nd MTG Type** | **2nd MTG Borrower** | **2nd MTG Lender** | **2nd MTG is Open Ended** | **2nd MTG Dated** | **2nd MTG Recorded** | **2nd MTG Rec Book** | **2nd MTG Rec Page** | **2nd MTG Rec Instrument** | **2nd MTG Maturity Date** | **2nd MTG Notes** | **2nd MTG is Subject** | **2nd MTG 1st AOM From** | **2nd MTG 1st AOM To** | **2nd MTG 1st AOM Dated** | **2nd MTG 1st AOM Recorded** | **ID2nd MTG 1st AOM Rec Book** | **2nd MTG 1st AOM Rec Page** | **2nd MTG 1st AOM Rec Instrument** | **2nd MTG 1st AOM Issues** | **2nd MTG 1st AOM Chain Issue s** | **2nd MTG 2nd AOM From** | **2nd MTG 2nd AOM To** | **2nd MTG 2nd AOM Dated** | **2nd MTG 2nd AOM Recorded** | **2nd MTG 2nd AOM Rec Book** | **ID2nd MTG 2nd AOM Rec Page** | **2nd MTG 2nd AOM Rec Instrument** | **2nd MTG 2nd AOM Issues** | **2nd MTG 2nd AOM Chain Issue s** | **2nd MTG 3rd AOM From** | **2nd MTG 3rd AOM To** | **2nd MTG 3rd AOM Dated** | **2nd MTG 3rd AOM Recorded** | **2nd MTG 3rd AOM Rec Book** | **2nd MTG 3rd AOM Rec Page** | **2nd MTG 3rd AOM Rec Instrument** | **2nd MTG 3rd AOM Issues** | **2nd MTG 3rd AOM Chain Issue s** | **2nd MTG 4th AOM From** | **2nd MTG 4th AOM To** | **2nd MTG 4th AOM Dated** | **2nd MTG 4th AOM Recorded** | **2nd MTG 4th AOM Rec Book** | **2nd MTG 4th AOM Rec Page** | **2nd MTG 4th AOM Rec Instrument** | **2nd MTG 4th AOM Issues** | **2nd MTG 4th AOM Chain Issue s** | **2nd MTG 1st MOD From** | **2nd MTG 1st MOD Dated** | **2nd MTG 1st MOD Recorded** | **2nd MTG 1st MOD Rec Book** | **2nd MTG 1st MOD Rec Page** | **2nd MTG 1st MOD Rec Instrument** | **2nd MTG 1st MOD New Loan Amount** | **2nd MTG 1st MOD Other Reason for MOD** | **2nd MTG 2nd MOD From** | **2nd MTG 2nd MOD Dated** | **2nd MTG 2nd MOD Recorded** | **2nd MTG 2nd MOD Rec Book** | **2nd MTG 2nd MOD Rec Page** | **2nd MTG 2nd MOD Rec Instrument** | **2nd MTG 2nd MOD New Loan Amount** | **2nd MTG 2nd MOD Other Reason for MOD** | **3rd MTG Amount** | **3rd MTG Type** | **3rd MTG Borrower** | **3rd MTG Lender** | **3rd MTG is Open Ended** | **3rd MTG Dated** | **3rd MTG Recorded** | **3rd MTG Rec Book** | **3rd MTG Rec Page** | **3rd MTG Rec Instrument** | **3rd MTG Maturity Date** | **3rd MTG Notes** | **3rd MTG is Subject** | **3rd MTG 1st AOM From** | **3rd MTG 1st AOM To** | **3rd MTG 1st AOM Dated** | **3rd MTG 1st AOM Recorded** | **3rd MTG 1st AOM Rec Book** | **3rd MTG 1st AOM Rec Page** | **3rd MTG 1st AOM Rec Instrument** | **3rd MTG 1st AOM Issues** | **3rd MTG 1st AOM Chain Issue s** | **3rd MTG 2nd AOM From** | **3rd MTG 2nd AOM To** | **3rd MTG 2nd AOM Dated** | **3rd MTG 2nd AOM Recorded** | **3rd MTG 2nd AOM Rec Book** | **3rd MTG 2nd AOM Rec Page** | **3rd MTG 2nd AOM Rec Instrument** | **3rd MTG 2nd AOM Issues** | **3rd MTG 2nd AOM Chain Issue s** | **3rd MTG 3rd AOM From** | **3rd MTG 3rd AOM To** | **3rd MTG 3rd AOM Dated** | **3rd MTG 3rd AOM Recorded** | **3rd MTG 3rd AOM Rec Book** | **3rd MTG 3rd AOM Rec Page** | **3rd MTG 3rd AOM Rec Instrument** | **3rd MTG 3rd AOM Issues** | **3rd MTG 3rd AOM Chain Issue s** | **3rd MTG 1st MOD From** | **3rd MTG 1st MOD Dated** | **3rd MTG 1st MOD Recorded** | **3rd MTG 1st MOD Rec Book** | **3rd MTG 1st MOD Rec Page** | **3rd MTG 1st MOD Rec Instrument** | **3rd MTG 1st MOD New Loan Amount** | **3rd MTG 1st MOD Other Reason for MOD** | **3rd MTG 2nd MOD From** | **3rd MTG 2nd MOD Dated** | **3rd MTG 2nd MOD Recorded** | **3rd MTG 2nd MOD Rec Book** | **3rd MTG 2nd MOD Rec Page** | **3rd MTG 2nd MOD Rec Instrument** | **3rd MTG 2nd MOD New Loan Amount** | **3rd MTG 2nd MOD Other Reason for MOD** | **4th MTG Amount** | **4th MTG Type** | **4th MTG Borrower** | **4th MTG Lender** | **4th MTG is Open Ended** | **4th MTG Dated** | **4th MTG Recorded** | **4th MTG Rec Book** | **4th MTG Rec Page** | **4th MTG Rec Instrument** | **4th MTG Maturity Date** | **4th MTG Notes** | **4th MTG is Subject** | **4th MTG 1st AOM From** | **4th MTG 1st AOM To** | **4th MTG 1st AOM Dated** | **4th MTG 1st AOM Recorded** | **4th MTG 1st AOM Rec Book** | **4th MTG 1st AOM Rec Page** | **4th MTG 1st AOM Rec Instrument** | **4th MTG 1st AOM Issues** | **4th MTG 1st AOM Chain Issue s** | **4th MTG 1st MOD From** | **4th MTG 1st MOD Dated** | **4th MTG 1st MOD Recorded** | **4th MTG 1st MOD Rec Book** | **4th MTG 1st MOD Rec Page** | **4th MTG 1st MOD Rec Instrument** | **4th MTG 1st MOD New Loan Amount** | **4th MTG 1st MOD Other Reason for MOD** | **5th MTG Amount** | **5th MTG Type** | **5th MTG Borrower** | **5th MTG Lender** | **5th MTG is Open Ended** | **5th MTG Dated** | **5th MTG Recorded** | **5th MTG Rec Book** | **5th MTG Rec Page** | **5th MTG Rec Instrument** | **5th MTG Maturity Date** | **5th MTG Notes** | **5th MTG is Subject** | **5th MTG 1st AOM From** | **ID5th MTG 1st AOM To** | **5th MTG 1st AOM Dated** | **5th MTG 1st AOM Recorded** | **5th MTG 1st AOM Rec Book** | **5th MTG 1st AOM Rec Page** | **5th MTG 1st AOM Rec Instrument** | **5th MTG 1st AOM Issues** | **5th MTG 1st AOM Chain Issue s** | **5th MTG 1st MOD From** | **5th MTG 1st MOD Dated** | **5th MTG 1st MOD Recorded** | **5th MTG 1st MOD Rec Book** | **5th MTG 1st MOD Rec Page** | **5th MTG 1st MOD Rec Instrument** | **5th MTG 1st MOD New Loan Amount** | **5th MTG 1st MOD Other Reason for MOD** | **6th MTG Amount** | **6th MTG Type** | **6th MTG Borrower** | **6th MTG Lender** | **6th MTG is Open Ended** | **6th MTG Dated** | **6th MTG Recorded** | **6th MTG Rec Book** | **6th MTG Rec Page** | **6th MTG Rec Instrument** | **6th MTG Maturity Date** | **6th MTG Notes** | **6th MTG is Subject** | **6th MTG 1st AOM From** | **6th MTG 1st AOM To** | **6th MTG 1st AOM Dated** | **6th MTG 1st AOM Recorded** | **6th MTG 1st AOM Rec Book** | **6th MTG 1st AOM Rec Page** | **6th MTG 1st AOM Rec Instrument** | **6th MTG 1st AOM Issues** | **6th MTG 1st AOM Chain Issue s** | **6th MTG 1st MOD From** | **6th MTG 1st MOD Dated** | **6th MTG 1st MOD Recorded** | **6th MTG 1st MOD Rec Book** | **6th MTG 1st MOD Rec Page** | **6th MTG 1st MOD Rec Instrument** | **6th MTG 1st MOD New Loan Amount** | **6th MTG 1st MOD Other Reason for MOD** | **7th MTG Amount** | **7th MTG Type** | **7th MTG Borrower** | **7th MTG Lender** | **7th MTG is Open Ended** | **7th MTG Dated** | **ID7th MTG Recorded** | **7th MTG Rec Book** | **7th MTG Rec Page** | **7th MTG Rec Instrument** | **7th MTG Maturity Date** | **7th MTG Notes** | **7th MTG is Subject** | **1st Judgment Type** | **1st Judgment Against** | **1st Judgment In Favor Of** | **1st Judgment Amount** | **1st Judgment Dated** | **1st Judgment Recorded** | **1st Judgment Rec Book** | **1st Judgment Rec Page** | **1st Judgment Rec Instrument** | **2nd Judgment Type** | **2nd Judgment Against** | **2nd Judgment In Favor Of** | **2nd Judgment Amount** | **2nd Judgment Dated** | **2nd Judgment Recorded** | **2nd Judgment Rec Book** | **2nd Judgment Rec Page** | **2nd Judgment Rec Instrument** | **3rd Judgment Type** | **3rd Judgment Against** | **3rd Judgment In Favor Of** | **3rd Judgment Amount** | **3rd Judgment Dated** | **3rd Judgment Recorded** | **3rd Judgment Rec Book** | **3rd Judgment Rec Page** | **3rd Judgment Rec Instrument** | **4th Judgment Type** | **4th Judgment Against** | **4th Judgment In Favor Of** | **4th Judgment Amount** | **4th Judgment Dated** | **4th Judgment Recorded** | **4th Judgment Rec Book** | **4th Judgment Rec Page** | **4th Judgment Rec Instrument** | **5th Judgment Type** | **5th Judgment Against** | **5th Judgment In Favor Of** | **5th Judgment Amount** | **5th Judgment Dated** | **5th Judgment Recorded** | **5th Judgment Rec Book** | **5th Judgment Rec Page** | **5th Judgment Rec Instrument** | **6th Judgment Type** | **6th Judgment Against** | **6th Judgment In Favor Of** | **6th Judgment Amount** | **6th Judgment Dated** | **6th Judgment Recorded** | **6th Judgment Rec Book** | **6th Judgment Rec Page** | **6th Judgment Rec Instrument** | **7th Judgment Type** | **7th Judgment Against** | **7th Judgment In Favor Of** | **7th Judgment Amount** | **7th Judgment Dated** | **7th Judgment Recorded** | **7th Judgment Rec Book** | **7th Judgment Rec Page** | **7th Judgment Rec Instrument** | **8th Judgment Type** | **8th Judgment Against** | **8th Judgment In Favor Of** | **8th Judgment Amount** | **8th Judgment Dated** | **8th Judgment Recorded** | **8th Judgment Rec Book** | **8th Judgment Rec Page** | **8th Judgment Rec Instrument** | **9th Judgment Type** | **9th Judgment Against** | **9th Judgment In Favor Of** | **9th Judgment Amount** | **9th Judgment Dated** | **9th Judgment Recorded** | **9th Judgment Rec Book** | **9th Judgment Rec Page** | **9th Judgment Rec Instrument** | **10th Judgment Type** | **10th Judgment Against** | **10th Judgment In Favor Of** | **10th Judgment Amount** | **10th Judgment Dated** | **10th Judgment Recorded** | **10th Judgment Rec Book** | **10th Judgment Rec Page** | **10th Judgment Rec Instrument** | **11th Judgment Type** | **11th Judgment Against** | **11th Judgment In Favor Of** | **11th Judgment Amount** | **11th Judgment Dated** | **11th Judgment Recorded** | **11th Judgment Rec Book** | **11th Judgment Rec Page** | **11th Judgment Rec Instrument** | **12th Judgment Type** | **12th Judgment Against** | **12th Judgment In Favor Of** | **12th Judgment Amount** | **12th Judgment Dated** | **12th Judgment Recorded** | **12th Judgment Rec Book** | **12th Judgment Rec Page** | **12th Judgment Rec Instrument** | **13th Judgment Type** | **13th Judgment Against** | **13th Judgment In Favor Of** | **13th Judgment Amount** | **13th Judgment Dated** | **13th Judgment Recorded** | **13th Judgment Rec Book** | **13th Judgment Rec Page** | **13th Judgment Rec Instrument** | **14th Judgment Type** | **14th Judgment Against** | **14th Judgment In Favor Of** | **14th Judgment Amount** | **14th Judgment Dated** | **14th Judgment Recorded** | **14th Judgment Rec Book** | **14th Judgment Rec Page** | **14th Judgment Rec Instrument** | **15th Judgment Type** | **15th Judgment Against** | **15th Judgment In Favor Of** | **15th Judgment Amount** | **15th Judgment Dated** | **15th Judgment Recorded** | **15th Judgment Rec Book** | **15th Judgment Rec Page** | **15th Judgment Rec Instrument** | **16th Judgment Type** | **16th Judgment Against** | **16th Judgment In Favor Of** | **16th Judgment Amount** | **16th Judgment Dated** | **16th Judgment Recorded** | **16th Judgment Rec Book** | **16th Judgment Rec Page** | **16th Judgment Rec Instrument** | **17th Judgment Type** | **17th Judgment Against** | **17th Judgment In Favor Of** | **17th Judgment Amount** | **17th Judgment Dated** | **17th Judgment Recorded** | **17th Judgment Rec Book** | **17th Judgment Rec Page** | **17th Judgment Rec Instrument** | **18th Judgment Type** | **18th Judgment Against** | **18th Judgment In Favor Of** | **18th Judgment Amount** | **18th Judgment Dated** | **18th Judgment Recorded** | **18th Judgment Rec Book** | **18th Judgment Rec Page** | **18th Judgment Rec Instrument** | **19th Judgment Type** | **19th Judgment Against** | **19th Judgment In Favor Of** | **19th Judgment Amount** | **19th Judgment Dated** | **19th Judgment Recorded** | **19th Judgment Rec Book** | **19th Judgment Rec Page** | **19th Judgment Rec Instrument** | **20th Judgment Type** | **20th Judgment Against** | **20th Judgment In Favor Of** | **20th Judgment Amount** | **20th Judgment Dated** | **20th Judgment Recorded** | **20th Judgment Rec Book** | **20th Judgment Rec Page** | **20th Judgment Rec Instrument** | **21st Judgment Type** | **21st Judgment Against** | **21st Judgment In Favor Of** | **21st Judgment Amount** | **21st Judgment Dated** | **21st Judgment Recorded** | **21st Judgment Rec Book** | **21st Judgment Rec Page** | **21st Judgment Rec Instrument** | **22nd Judgment Type** | **22nd Judgment Against** | **22nd Judgment In Favor Of** | **22nd Judgment Amount** | **22nd Judgment Dated** | **22nd Judgment Recorded** | **22nd Judgment Rec Book** | **22nd Judgment Rec Page** | **22nd Judgment Rec Instrument** | **23rd Judgment Type** | **23rd Judgment Against** | **23rd Judgment In Favor Of** | **23rd Judgment Amount** | **23rd Judgment Dated** | **23rd Judgment Recorded** | **23rd Judgment Rec Book** | **23rd Judgment Rec Page** | **23rd Judgment Rec Instrument** | **24th Judgment Type** | **24th Judgment Against** | **24th Judgment In Favor Of** | **24th Judgment Amount** | **24th Judgment Dated** | **24th Judgment Recorded** | **ID24th Judgment Rec Book** | **24th Judgment Rec Page** | **24th Judgment Rec Instrument** | **1st Parcel ID** |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449674 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | 03/XX/06 | 01/16/2019 |  |  | 02/13/2019 | No | 1 | No | No AOMs Recorded | XXXX | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Special Warranty Deed | XXXX | XXXX | 03/XX/06 | 03/XX/06 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX |  | 03/XX/06 | 03/XX/06 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449272 | Upsize | 1 |  | XXXX |  | XXXX | XXXX | GA | XXXX | XXXX | XXXX | 11/XX/06 | 11/12/2019 |  |  | 11/22/2019 | No | 1 | No | No AOMs Recorded | XXXX | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 11/XX/06 | 11/XX/06 | XXXX | XXXX |  | XXXX | Subject Mortgage | XXXX | XXXX |  | 11/XX/06 | 11/XX/06 | XXXX | XXXX |  |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450770 | Upsize | 1 |  | XXXX | XXXX | XXXX | XXXX | WI | XXXX | XXXX | XXXX | 10/XX/07 | 02/24/2020 |  |  | 02/28/2020 | Yes | 2 | No | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | No | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  | DUE DATE NOT AVAILABLE | DUE DATE NOT AVAILABLE | Quitclaim Deed | XXXX | XXXX | 08/XX/07 | 08/XX/07 |  |  | XXXX | XXXX | Mortgage | XXXX | XXXX | No | 03/XX/04 | 03/XX/04 |  |  | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Subject Mortgage | XXXX | XXXX | No | 10/XX/07 | 10/XX/07 |  |  | XXXX | 10/XX/37 |  | Yes | XXXX | XXXX | 10/XX/12 | 11/XX/12 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450957 | Upsize | 1 |  | XXXX | XXXX | XXXX | XXXX | AL | XXXX | XXXX | XXXX | 10/XX/98 | 02/21/2020 |  |  | 02/28/2020 | Yes | 1 | No | No AOMs Recorded |  | No | Y - 1 = Unknown | Unknown | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | No | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  |  |  | Other | XXXX | XXXX | 09/XX/76 | 09/XX/76 | XXXX | XXXX |  | XXXX | Subject Mortgage | XXXX | XXXX | No | 10/XX/98 | 10/XX/98 | XXXX | XXXX |  |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | Yes | 12/XX/02 | 01/XX/03 | XXXX | XXXX |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | UCC Lien | XXXX | XXXX | XXXX | 02/XX/94 | 02/XX/94 |  |  | XXXX | UCC Lien | XXXX | XXXX | XXXX | 06/XX/00 | 06/XX/00 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450445 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | WA | XXXX | XXXX | XXXX | 09/XX/01 | 10/31/2019 |  |  | 12/11/2019 | No | 1 | No | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 06/XX/78 | 06/XX/78 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 09/XX/01 | 09/XX/01 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 08/XX/03 | 08/XX/03 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450180 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 05/XX/02 | 11/21/2019 |  |  | 12/14/2019 | Yes | 2 | Yes | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | No | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 07/XX/00 | 07/XX/00 |  |  | XXXX | XXXX | Deed of Trust | XXXX | XXXX | No | 07/XX/00 | 07/XX/00 |  |  | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Subject Mortgage | XXXX | XXXX | No | 05/XX/02 | 06/XX/02 |  |  | XXXX | 07/XX/32 |  | Yes | XXXX | XXXX | 08/XX/12 | 09/XX/12 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 03/XX/13 | 04/XX/13 |  |  | XXXX | XXXX |  | XXXX | 09/XX/14 | 10/XX/14 |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450580 | Upsize | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 01/XX/03 | 12/12/2019 |  |  | 12/14/2019 | No | 1 | Yes | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 01/XX/03 | 02/XX/03 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 01/XX/03 | 02/XX/03 | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 03/XX/14 | 03/XX/14 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 01/XX/14 | 02/XX/14 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Other Judgment | XXXX | XXXX | XXXX | 04/XX/16 | 04/XX/16 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450314 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | NY | XXXX | XXXX | XXXX | 07/XX/04 | 12/20/2019 |  |  | 01/02/2020 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | Yes | XXXX | 12/XX/19 | No | $0.00 |  |  |  | Other | XXXX | XXXX | 07/XX/04 | 11/XX/04 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 07/XX/04 | 11/XX/04 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450264 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | NY | XXXX | XXXX | XXXX | 01/XX/05 | 11/04/2019 |  |  | 01/02/2020 | No | 1 | No | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Other | XXXX | XXXX | 01/XX/05 | 05/XX/05 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 01/XX/05 | 05/XX/05 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 07/XX/18 | 07/XX/18 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 11/XX/05 | 12/XX/05 |  |  | XXXX | 12/XX/20 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 11/XX/06 | 12/XX/06 |  |  | XXXX |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 06/XX/07 | 07/XX/07 |  |  | XXXX | 07/XX/27 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | UCC Lien - Solar | XXXX | XXXX | XXXX | 09/XX/17 | 09/XX/17 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450595 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 11/XX/05 | 11/01/2019 |  |  | 12/11/2019 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 10/XX/05 | 12/XX/05 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 11/XX/05 | 12/XX/05 | XXXX | XXXX | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449221 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 03/XX/06 | 11/01/2019 |  |  | 01/02/2020 | No | 1 | No | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 09/XX/02 | 09/XX/02 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 03/XX/06 | 03/XX/06 | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 04/XX/19 | 04/XX/19 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | UCC Lien | XXXX | XXXX | XXXX | 08/XX/09 | 08/XX/09 | XXXX | XXXX | XXXX | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 04/XX/10 | 05/XX/10 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450806 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | 05/XX/07 | 12/24/2019 |  |  | 01/10/2020 | No | 1 | No | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 05/XX/07 | 06/XX/07 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 05/XX/07 | 06/XX/07 | XXXX | XXXX | XXXX |  |  | Yes | XXXX | XXXX | 09/XX/10 | 10/XX/10 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Money/Deficiency Judgment | XXXX | XXXX | XXXX | 01/XX/08 | 01/XX/08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450900 | Upsize | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | NY | XXXX | XXXX | XXXX | 09/XX/07 | 12/24/2019 |  |  | 01/10/2020 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | No | N/A | XXXX | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | Yes | XXXX | 03/XX/20 | No | $0.00 |  |  |  | Other | XXXX | XXXX | 05/XX/95 | 06/XX/95 | XXXX | XXXX |  | XXXX | Subject Mortgage | XXXX | XXXX | No | 09/XX/07 | 10/XX/07 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | COA Lien | XXXX | XXXX | XXXX | 12/XX/12 | 01/XX/13 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450882 | Upsize | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 12/XX/07 | 11/05/2019 |  |  | 01/10/2020 | No | 1 | Yes | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Special Warranty Deed | XXXX | XXXX |  | 12/XX/07 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 12/XX/07 | 12/XX/07 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 04/XX/13 | 04/XX/13 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 11/XX/13 | 11/XX/13 |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449552 | Upsize | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | IL | XXXX | XXXX | XXXX | 05/XX/08 | 11/05/2019 |  |  | 01/10/2020 | No | 1 | Yes | No AOMs Recorded |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Special Warranty Deed | XXXX | XXXX | 05/XX/03 | 08/XX/03 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 05/XX/08 | 06/XX/08 |  |  | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 02/XX/13 | 03/XX/13 |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Mortgage | XXXX | XXXX | No | 09/XX/08 | 10/XX/08 |  |  | XXXX | 09/XX/28 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450142 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | WA | XXXX | XXXX | XXXX | 01/XX/09 | 12/26/2019 |  |  | 01/10/2020 | Yes | 2 | No | No |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | Yes | No | N/A | No Schedule B Exceptions Present on the Final Title Policy - Clear | No | N/A |  | No | $0.00 |  |  |  | Quitclaim Deed | XXXX | XXXX | 05/XX/06 | 05/XX/06 |  |  | XXXX | XXXX | Mortgage | XXXX | XXXX | No | 03/XX/99 | 04/XX/99 |  |  | XXXX |  |  | No | XXXX | XXXX | 04/XX/99 | 01/XX/00 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | Subject Mortgage | XXXX | XXXX | No | 01/XX/09 | 01/XX/09 |  |  | XXXX | 02/XX/39 |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452449862 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 11/XX/11 | 12/31/2019 |  |  | 01/10/2020 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 05/XX/02 | 06/XX/02 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 11/XX/11 | 11/XX/11 | XXXX | XXXX | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Mechanics Lien | XXXX | XXXX | XXXX | 10/XX/19 | 10/XX/19 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450171 | Upsize | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | FL | XXXX | XXXX | XXXX | 06/XX/12 | 12/31/2019 |  |  | 01/10/2020 | No | 1 | No | No AOMs Recorded |  | No | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 03/XX/06 | 03/XX/06 | XXXX | XXXX | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 06/XX/12 | 06/XX/12 | XXXX | XXXX | XXXX |  |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | TPMT 2025-2 | XXXX | XXXX | 6452450364 | Upsize | 1 | XXXX | XXXX |  | XXXX | XXXX | TX | XXXX | XXXX | XXXX | 06/XX/15 | 12/30/2019 |  |  | 01/10/2020 | No | 1 | No | No |  | No | N/A | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A |  | N/A | N/A | N/A | N/A | No | N/A |  | No | $0.00 |  |  |  | Warranty Deed | XXXX | XXXX | 06/XX/15 | 06/XX/15 |  |  | XXXX | XXXX | Subject Mortgage | XXXX | XXXX | No | 06/XX/15 | 06/XX/15 |  |  | XXXX |  |  | Yes | XXXX | XXXX | 12/XX/17 | 12/XX/17 |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---

## Exhibit 99.2

![](logo_opus.jpg)

Opus Capital Markets Consultants, LLC

## Towd Point Mortgage Trust 2026-1

### January 21, 2026

------

### BACKGROUND AND SCOPE METHODOLOGY
This report summarizes the results of a due diligence review performed on a pool of 155 loans purchased on reliance by FirstKey Mortgage, LLC ("Customer") from previous client of Opus Capital Markets Consultants, LLC ("Opus"), from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Opus CMC performed a detailed compliance review on all loans.

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

Consultant was established in 2005 and acquired by Wipro Ltd in January 2014. Owls Partners, LLC acquired Consultant December 2022.

### COMPLIANCE REVIEW
Opus CMC performed a compliance review on all loans in order to verify that each loan was originated in compliance with applicable federal, state and local anti-predatory lending statutes required by the respective SOW. The compliance review scope is included in Exhibits A herein and the compliance review results are included within Exhibit B.

**<u>Note:</u>** Opus generally met the NRSRO requirements noted above with the exception that loans were not tested for compliance with Regulation X - Real Estate Settlement Procedures Act (RESPA).

### EXHIBIT A

#### COMPLIANCE REVIEW SCOPE

#### Regulatory Compliance

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

&nbsp;&nbsp;&nbsp;&nbsp;1. The "material"<sup>1</sup> disclosure requirements of the federal Truth-in-Lending Act
 ("TILA"), as amended by the Home Ownership and Equity Protection Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including the material
 provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17 et
 seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID")

------

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

------

<br> Rule, as set forth below:

<br> a. For Right of Rescission

i. A review of the Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

<br> A. This review is also to be performed on transactions that are exempt from the rescission requirement but on which a Notice of Right to Cancel was provided.

<br> B. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance that is subject to rescission per TILA/Regulation Z.

<br> b. For TILs (Application Dates prior to 10/3/2015)

<br> i. <br> Confirm the initial TIL disclosure and final TIL disclosures were provided.

ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s), with a reportoutlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

<br> c. For TRID Disclosures (Application Dates on or after 10/3/2015)

<br> i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days ofapplication and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

ii. Review the required sections of each LE to ensure they were populated in accordancewith the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

<br> iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at leastthree (3) business days prior to consummation;

<br> iv. Review the required sections of each CD to ensure they were populated in accordancewith the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

&nbsp;&nbsp;&nbsp;&nbsp;2. Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended
 by the TRID Rule;

&nbsp;&nbsp;&nbsp;&nbsp;3. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution;

&nbsp;&nbsp;&nbsp;&nbsp;4. Confirmation that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the
 Price You Pay for Credit, or Notice to Home Loan Applicant;

&nbsp;&nbsp;&nbsp;&nbsp;5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R.
 1026.43: the general Ability to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified mortgages as defined by the
 Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)) In
 accordance with "Ability to Repay and Qualified Mortgage Review" description below;

------

&nbsp;&nbsp;&nbsp;&nbsp;6. The Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

&nbsp;&nbsp;&nbsp;&nbsp;7. The requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R. 1026.35;<br>

&nbsp;&nbsp;&nbsp;&nbsp;8. The appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12
 C.F.R. 1002.14, respectively;

&nbsp;&nbsp;&nbsp;&nbsp;9. The counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

&nbsp;&nbsp;&nbsp;&nbsp;10. The escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

&nbsp;&nbsp;&nbsp;&nbsp;11. The disclosure requirements and prohibitions of any applicable state, county and municipal laws and ordinances, as amended, that have been enacted to regulate
 so-called "predatory lending":

&nbsp;&nbsp;&nbsp;&nbsp;12. Consultant shall confirm that any mortgage property located in an area identified on a flood hazard map or flood insurance rate map issued by the Federal
 Emergency Management Agency as having special flood hazards is subject to a qualified flood insurance policy that appears to be is in effect.

&nbsp;&nbsp;&nbsp;&nbsp;13. For any loans designated as TILA exemption, Consultant shall review the loan file for evidence that the primary purpose of the loan was for commercial or
 business purposes, including, but not limited to a business purpose certification.

&nbsp;&nbsp;&nbsp;&nbsp;14. Documentation. Review of the following documents for regulatory compliance:

<br> a. Final HUD-1 Settlement Statement ("HUD-1"), if applicable

<br> i. If the loan is in an escrow state, the HUD-1 will be considered final as follows:

<br> A. HUD-1 is marked Final;

<br> i. If HUD-1 is not marked Final, it must be stamped certified by the closing agent.

<br> ii. There should be no markings indicating that the HUD-1 is estimated.

<br> B. HUD-1 is signed by all parties (including closing agent) or stamped certified by the closing agent; and

<br> C. If HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

<br> b. Final Truth in Lending Disclosure ("TIL"), if applicable

<br> c. Loan Estimate, if applicable

i. The Loan Estimate in will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing Disclosure.

<br> d. Closing Disclosure, if applicable

i. The Closing Disclosure in the loan file will be considered delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered the Final with any delivered post consummation considered as a corrected Closing Disclosure.

<br> e. Notice of Right to Cancel (if applicable)

<br> f. Initial TIL, if applicable

<br> g. Good Faith Estimate ("GFE"), if applicable

<br> h. Note

<br> i. Mortgage/Deed of Trust

------

<br> j. FACTA disclosures

<br> k. Third Party Fees

<br> i. Third party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

ii. CONSULTANT will condition for evidence in the file indicating that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable limits and are not to be reported.

<br> iii. Any refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

#### Ability to Repay and Qualified Mortgage Review

&nbsp;&nbsp;&nbsp;&nbsp;1.  **<u>For Agency Eligible Loans Only</u>** :
 Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM,
 Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation.
 Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable
 presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies
 and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;2. For loans for which applications were received prior to July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or
 insurance by an applicable agency as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i)
 below and reviews the Automated Underwriting System output within the file to confirm agency eligibility.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.  **<u>For Non-Agency Eligible Loans</u>** :
 Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

a. <u>Qualified Mortgage</u>:

i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

<br> ii. For each QM designated loan that satisfied the applicable requirements

------

enumerated above, Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.<br>

b. <u>Ability to Repay</u>:

i. The ability to repay portion of the review for non-agency eligible loans only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party documentation at or before consummation.

<br> 1. Current or reasonably expected income or assets that the consumer will rely on to repay the loan.

<br> 2. Current employment status

<br> 3. Monthly mortgage payment for subject loan using the introductory or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

<br> 4. Monthly payment on any simultaneous loans secured by the subject property.

<br> 5. Monthly payments for property taxes and hazard/flood insurance and certain other costs related to the property such as homeowner's association fees or ground rent.

<br> 6. Debts, alimony, and child support obligations

<br> 7. Monthly debt-to-income ratio or residual income

<br> 8. Credit history

<br> ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's conclusion.

**a)** **Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

------

**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

#### Additional Disclosures and Requirements:

Consultant will not review for compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

<br> • Servicing Transfer Disclosure (for applications prior to 10/03/2015):

<br> • Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

<br> • Affiliated Business Disclosure

<br> • Initial Escrow Disclosure Statement

<br> • Equal Credit Opportunity Act (Regulation B)

<br> • Fair Credit Report Act (Regulation V)

**High-Cost, State & Local Anti-Predatory Regulations**<br>

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.<br>

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

<br> • California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

<br> • California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

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

<br> • Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

<br> • Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

<br> • District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

<br> • Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

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

<br> • Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

<br> • Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

<br> • Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

<br> • City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-

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<br>440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

<br> • Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

<br> • Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

<br> • Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

<br> • Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

<br> • Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

<br> • Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

<br> • Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12-409.1; 12-1029.

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

<br> • Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

<br> • Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

<br> • Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

<br> • Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

<br> • Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

<br> • Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.

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

<br> • Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

<br> • Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

<br> • New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

<br> • New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

<br> • New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

<br> • New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

<br> • New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

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<br> • Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

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

<br> • City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

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

<br> • Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

<br> • Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

<br> • Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

<br> • City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

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

<br> • Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

<br> • Texas High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

<br> • Section 50(a)(6), Article XVI of the Texas Constitution

<br> • Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

<br> • Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

<br> • Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

<br> • Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

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

<br> • Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

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#### The following tables provide the summary and conclusions based on the review of the assets by Opus.
**a)** **Results of quality and integrity of information review – This table shows the results of the review of the quality of the information and integrity of data. The column on the left entitled "Data Element" indicates the data element that was reviewed. The column in the center entitled "Count" indicates the number of loans for which the information in the data tape was incorrect, based on our review.**

---

| | | |
|:---|:---|:---|
| **Data Element** | **Count** | **Accuracy** |
| Application Date | 7 | 95.48% |
| Balloon Flag | 22 | 85.81% |
| Final Qualifying Property Value | 21 | 86.45% |
| First Payment Date | 1 | 99.35% |
| Interest Rate | 1 | 99.35% |
| Property City | 1 | 99.35% |
| Property Type | 1 | 99.35% |
| Property Zip Code | 2 | 98.71% |
| Qualifying LTV | 17 | 89.03% |
| Qualifying Total Debt Income Ratio | 22 | 85.81% |
| **Total Loan Population** | **155** |  |

---

#### EXHIBIT B

#### SUMMARY OF COMPLIANCE REVIEW

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| | | |
|:---|:---|:---|
| **Compliance Grade Summary** | | |
| **DBRS, Fitch, Kroll, S&P, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 148 | 95.48% |
| B | 7 | 4.52% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

#### Loans Reviewed (155)

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| 2229303 | 2229568 | 2229961 | 2230326 | 2230560 | 2230955 |
| 2229305 | 2229597 | 2229994 | 2230327 | 2230564 | 2230981 |
| 2229323 | 2229598 | 2229998 | 2230328 | 2230578 | 2231001 |
| 2229329 | 2229651 | 2230025 | 2230329 | 2230583 | 2231039 |
| 2229331 | 2229671 | 2230038 | 2230334 | 2230598 | 2231055 |
| 2229332 | 2229680 | 2230077 | 2230347 | 2230618 | 2231056 |
| 2229341 | 2229689 | 2230123 | 2230351 | 2230625 | 2231071 |

---

------

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| 2229360 | 2229691 | 2230124 | 2230383 | 2230677 | 2231083 |
| 2229373 | 2229730 | 2230140 | 2230385 | 2230680 | 2231100 |
| 2229379 | 2229750 | 2230153 | 2230399 | 2230681 | 2231102 |
| 2229393 | 2229751 | 2230154 | 2230415 | 2230690 | 2231105 |
| 2229398 | 2229773 | 2230163 | 2230440 | 2230693 | 2231107 |
| 2229401 | 2229803 | 2230166 | 2230453 | 2230698 | 2231114 |
| 2229410 | 2229806 | 2230167 | 2230454 | 2230704 | 2231115 |
| 2229415 | 2229808 | 2230179 | 2230469 | 2230723 | 2231130 |
| 2229433 | 2229815 | 2230209 | 2230471 | 2230787 | 2231139 |
| 2229474 | 2229826 | 2230217 | 2230489 | 2230808 | 2231154 |
| 2229512 | 2229827 | 2230234 | 2230500 | 2230822 | 2231155 |
| 2229531 | 2229878 | 2230244 | 2230507 | 2230823 | 2231161 |
| 2229544 | 2229884 | 2230253 | 2230520 | 2230832 | 2231167 |
| 2229547 | 2229885 | 2230255 | 2230522 | 2230841 | 2231178 |
| 2229548 | 2229890 | 2230263 | 2230523 | 2230867 | 2231179 |
| 2229551 | 2229901 | 2230271 | 2230542 | 2230871 | 2231186 |
| 2229553 | 2229904 | 2230272 | 2230555 | 2230878 | 2231214 |
| 2229557 | 2229917 | 2230298 | 2230557 | 2230883 | 2231235 |
| 2229563 | 2229919 | 2230325 | 2230559 | 2230936 |  |

---

## Exhibit 99.2

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **FK Loan ID** | **Loan Number** | **Alt Loan ID** | **Base/Upsize** | **Deal #** | **Borrower Name** | **Final Rating** | **Credit Rating** | **Property Rating** | **Compliance Rating** | **Credit Exceptions** | **Property Exceptions** | **Compliance Exceptions** | **Final QM Status** |
| XXXX | XXXX | 134 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  | Missing Post Close Valuation - 1-A valid secondary valuation supporting the origination appraisal value is not present. - Resolved-- <br>Document Uploaded. <br>A valid secondary valuation supporting the origination appraisal value was provided. <br>S&P value equals B, secondary product within tolerance--Acknowledged--S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. <br>|  | ATR/QM: Exempt |
| XXXX | XXXX | 133 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 130 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  | Missing Post Close Valuation - 1-A valid secondary valuation supporting the origination appraisal value is not present. AVM included in loan file is incomplete and does not include confidence/FSD score.-Resolved-- <br>Document Uploaded. <br>A valid secondary valuation supporting the origination appraisal value was provided. <br>| Homeownership Counseling Organizations Disclosure Missing or Incomplete- <br> Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies-Resolved--Document Uploaded. <br> Homeownership Counseling Disclosure Is Present or Not Applicable <br>RESPA: AfBA Disclosure is Missing-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies-Resolved--RESPA: AfBA Disclosure is Provided or Not Applicable <br> Document Uploaded. <br> RESPA: AfBA Disclosure is Provided or Not Applicable <br>E-Consent documentation is missing for borrower(s)-E-Consent documentation on TRID loan is missing for borrower(s)-Resolved--Document Uploaded. <br> Evidence of E-consent Provided. <br>RESPA: Toolkit Missing or Incomplete-Acknowledgement provided is not for subject transaction. Appears to be loan #XXXXXXXXXX. Condition remains. <br> RESPA: Toolkit Missing or Incomplete This finding is non-material and will be rated a B for all agencies.-Resolved--Document Uploaded. Evidence of Home Loan Toolkit Delivery provided. <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 128 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 124 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 123 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 122 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 | Income 1 Months Income Verified is Missing-Income 1 Months Income Verified is Missing Borrower is getting SSI income. But Award letter, Receipt. income documents are not available in file.-Resolved--Income 1 Months Income Verified is Present Or Not Applicable <br>Income 1 Months Income Verified is Present Or Not Applicable <br>|  | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower income documents are missing in loan file-Resolved--ATR Risk - Current Income or Current Assets were considered <br>ATR Risk - Current Income or Current Assets were considered <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 28 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  | Missing Post Close Valuation - 1-A valid secondary valuation supporting the origination appraisal value is not present. - Resolved-- <br>A valid secondary valuation supporting the origination appraisal value was provided. <br>S&P value equals B, secondary product within tolerance--Acknowledged--S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. <br>|  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 23 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  |  | Loan Estimate disclosure is missing or incomplete-Loan Estimate disclosure is missing or incomplete The initial LE and any subsequent LE's are missing from the loan file. Additional conditions may apply. - Resolved--Complete LE history provided. Compliance retested and passed. Condition cleared. <br>TRID: Missing Closing Disclosure-The initial Closing Disclosure is missing from the loan file. Additional conditions may apply. - Resolved--Initial CD provided. Compliance retested and passed. Condition cleared. <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 22 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 15 | Base | 0615-025 | XXXX | 2 | 1 | 2 | 1 |  | Secondary valuation supports within 10%, PIW grading applies--Acknowledged--Secondary valuation support within 10%, PIW in file for a GSE loan. Secondary valuation support within 10%, PIW in file for a GSE loan. <br>|  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 14 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 13 | Base | 0615-025 | XXXX | 2 | 1 | 2 | 1 |  | Property in Disaster Area – Property located in a XXXX declared disaster area. Inspection post incident date was not provided-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted in subject county for XXXXXXXXX XXXXXX XXXXXXX and XXXXXXXXX (DR-4751-TN).-Resolved-- <br> Document Uploaded. <br> Post incident inspection provided <br>Secondary valuation supports within 10%, PIW grading applies--Acknowledged--Secondary valuation support within 10%, PIW in file for a GSE loan. <br>|  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 1 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 | Missing Proof of Other Income - Retirement, Pension, Disability (Borrower 2)-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower 2's other Retirement,Pension, or Disability income in file.-Resolved--Verification to support annuity income provided as required by selling guide. Condition cleared. <br>| S&P value equals B, secondary product within tolerance--Acknowledged--S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. <br>| ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements-Resolved--ATR Risk - Current Income or Current Assets were considered <br> ATR Risk - Current Income or Current Assets were considered <br> ATR Risk - Current Income or Current Assets were considered <br> ATR Risk - Current Income or Current Assets were considered <br> ATR Risk - Current Income or Current Assets were considered <br>Insufficient Tolerance Cure (50001028)-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Transfer Tax on Post CD dated XX/XX/XXXX is $XX,XXX.XX. LE dated XX/XX/XXX lists fee as $XX,XXX.XX. Final Inspection on PCCD is $XXX.XX and LE dated XX/XX/XXXX is $0. These fees are in a (0%) tolerance section. The loan file did not contain a valid COC to support the increase. Lender tolerance cure of $XX,XXX.XX is required. Section J reflects $XX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the Recording fee and credit report. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower.-Resolved--Valid COC provided to support fee increases. No additional tolerance cure required. Condition cleared. <br>Insufficient Tolerance Cure (50001026)-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Transfer Tax on Post CD dated XX/XX/XXXX is $XX,XXX.XX. LE dated XX/XX/XXXX lists fee as $XX,XXX.XX. Final Inspection on PCCD is $XXX and LE dated XX/XX/XXXX is $0. These fees are in a (0%) tolerance section. The loan file did not contain a valid COC to support the increase. Lender tolerance cure of $XX,XXX.XX is required. Section J reflects $XX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the Recording fee and credit report. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower.-Resolved--Valid COC provided to support fee increases. No additional tolerance cure required. Condition cleared. <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 157 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 155 | Base | 0615-026 | XXXX | 2 | 1 | 1 | 2 |  |  | Federal - Finance Charge Disclosure Tolerance (Closed End)-This finding is outside the statute of limitations and will be rated as B for all agencies. <br> PCCD and LOE provided for $XXX tolerance cure for appraisal fee increase. Finance charge under-disclosure of $XXX remains. Appears Title - Title Services fee in the amount of $XXX was not included in disclosed finance charges. Condition remains. <br> The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . It appears the lender did not include the Title - Title Services fee in the amount of $XXX.XX in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies.<br> - Acknowledged--This finding is outside the statute of limitations and will be rated as B for all agencies. <br>TILA: CHARM Booklet is Missing or Incomplete-TILA: CHARM Booklet is Missing or Incomplete-Resolved--CHARM Booklet is Present or Not Applicable <br>TILA: ARM Program Document is Missing or Incomplete-ARM Disclosure is Missing or Incomplete ARM Disclosure is Missing-Resolved--ARM Disclosure is is Present or Not Applicable <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 154 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 149 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 147 | Base | 0615-026 | XXXX | 2 | 1 | 1 | 2 |  |  | TRID: Missing Closing Disclosure-The revised Closing Disclosure, dated XX/XX/XXXX, reported on the Compliance Events Timeline disclosure, is missing from the loan file. Additional conditions may apply. <br> This finding is non-material and will be rated a B for all agencies.-Resolved--Evidence provided that no additional CD issued XX/XX/XXXX. Condition cleared. <br>Loan Estimate disclosure is missing or incomplete-Initial LE in file, dated XX/XX/XXXX, included copy error. Initial LE required to complete compliance testing. Condition remains. <br> Loan Estimate disclosure is missing or incomplete The initial LE, dated XX/XX/XXXX, is incomplete. Additional conditions may apply. <br> This finding is non-material and will be rated a B for all agencies.-Counter-- <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 141 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 140 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 138 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 137 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 136 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 121 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 119 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 117 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 116 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 115 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  | E-Consent documentation is missing for borrower(s)-E-Consent documentation on TRID loan is missing for borrower(s)-Resolved--Evidence of e-consent provided. Condition cleared. <br>Insufficient Change of Circumstance (50001252)-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Tolerance cure of $XX.XX to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated as B for all agencies.-Resolved--Loan qualifies as business purpose and not subject to cure. Condition cleared. <br>Charges That Cannot Increase Test (50001251)-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects an appraisal fee of $520.00. The Final CD reflects an appraisal fee of $575.00. The loan file did not contain a valid COC to support the new fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies.-Resolved--Loan qualifies as business purpose and not subject to cure. Condition cleared. <br>| ATR/QM: Exempt |
| XXXX | XXXX | 113 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 112 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  | E-Consent documentation is missing for borrower(s)-E-Consent documentation on TRID loan is missing for borrower(s)-Resolved--Valid e-consent provided. Condition cleared. <br>| ATR/QM: Exempt |
| XXXX | XXXX | 107 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 104 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 97 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 88 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 87 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 86 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 76 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 75 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 74 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 70 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  | Insufficient Tolerance Cure (50001026)-The document provided for review indicates a credit was provided for the XX Mtg Tax, this is already included in the calculations below; an additional cure of $XXX,XXX is required or a valid Change of Circumstance is required for the increase in Recording Fees from the last disclosed LE to the Initial CD; condition remains. <br> A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated as B for all agencies. The baseline 10% tolerance fees are $X,XXX.XX ($X,XXX.XX at 110%, the total 10% Fees on the Final CD are $X,XXX.XX, a tolerance cure of $X,XXX.XX is required for the 10% fees. The Transfer Taxes increased from a baseline of $X,XXX.XX on the Initial LE to $X,XXX.XX on the Final CD, a tolerance cure of $X.XX is required for the transfer taxes. The total Cure required is $X,XXX.XX which is less than the cure provided at closing of $XXX.XX. This finding is outside the statute of limitations and will be rated as B for all agencies. <br> A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated as B for all agencies.-Resolved--Revised LE dated XX/XX/XXXX and COC for program change to support fee increase. No additional tolerance cure required. Condition cleared. <br> Document Uploaded. <br>Insufficient Tolerance Cure (50001028)-The document provided for review indicates a credit was provided for the XX Mtg Tax, this is already included in the calculations below; an additional cure of $XXX,XXX is required or a valid Change of Circumstance is required for the increase in Recording Fees from the last disclosed LE to the Initial CD; condition remains. <br> A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated as B for all agencies. The baseline 10% tolerance fees are $X,XXX.XX ($X,XXX.XX at 110%, the total 10% Fees on the Final CD are $X,XXX.XX, a tolerance cure of $X,XXX.XX is required for the 10% fees. The Transfer Taxes increased from a baseline of $X,XXX.XX on the Initial LE to $X,XXX.XX on the Final CD, a tolerance cure of $X.XX is required for the transfer taxes. The total Cure required is $X,XXX.XX which is less than the cure provided at closing of $XXX.XX. This finding is outside the statute of limitations and will be rated as B for all agencies. <br> A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated as B for all agencies.-Resolved--Document Uploaded. <br> Revised LE dated XX/XX/XXXX and COC for program change to support fee increase. No additional tolerance cure required. Condition cleared. <br>Missing evidence of rate lock-Evidence of Rate Lock Missing-Resolved--Evidence of Rate Lock Provided <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 68 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 67 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 66 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 65 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | ATR/QM: Exempt |
| XXXX | XXXX | 61 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 53 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 47 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 45 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  | Charges That Cannot Increase Test (50001251)-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Update Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, does not reflect an Appraisal Update of $225. The Final CD reflects an Appraisal Update of $225. The loan file did not contain a valid COC to support the new fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies.-Resolved--Document Uploaded. <br> Evidence of Change in Circumstance provided; condition resolved. <br>Insufficient Change of Circumstance (50001252)-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Update Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Tolerance cure of $225 to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated as B for all agencies.<br> - Resolved--Document Uploaded. <br> Evidence of change in circumstance provided; condition resolved. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 25 | Base | 0615-026 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 29 | Base | 0615-025 | XXXX | 1 | 1 | 1 | 1 |  |  | Insufficient Change of Circumstance (50001252)-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated (XX/XX/XXXX), does not reflects a (Appraisal Fee). (Final / Post-Closing) CD dated (XX/XX/XXXX) reflects a (Appraisal Fee) of ($595).<br> The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.-Resolved--Document Uploaded. <br> Valid COC provided to support appraisal fee increase. No tolerance cure required. Condition cleared. <br>Charges That Cannot Increase Test (50001251)-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated (XX/XX/XXXX), does not reflects a (Appraisal Fee). (Final / Post-Closing) CD dated (XX/XX/XXXX) reflects a (Appraisal Fee) of ($595).<br> The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower.-Resolved--Document Uploaded. <br> Valid COC provided to support appraisal fee increase. No tolerance cure required. Condition cleared. <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 132 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 131 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 | Missing Final Application (1003)-The Final 1003 is Missing-Resolved--Document Uploaded. <br>The Final 1003 is Present <br>Hazard Insurance Policy is Missing-Missing Hazard Insurance Policy-Resolved--Document Uploaded. <br>Hazard Insurance Policy is fully present <br>|  | RESPA: Toolkit Missing or Incomplete-RESPA: Toolkit Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Resolved--Document Uploaded. Evidence provided that toolkit provided within timing requirement. Condition cleared. <br>ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements ATR Risk - Monthly HO not meet requirements-Resolved--ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 129 | Base | 0615-027 | XXXX | 2 | 1 | 2 | 1 | Missing credit report-The final loan application reflects an additional revolving debt included in ratios. The credit reports in the loan file do not reflect this debt. Provide updated credit report. - Resolved--Lender rebuttal reviewed. Rev account with Citi disclosed on 1003 was not required to be verified by DU or selling guide B3-6-08. Condition cleared. <br>| Secondary valuation supports within 10%, PIW grading applies--Acknowledged--Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. <br>| ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements File missing updated credit report reflecting additional revolving debt included in ratios. - Resolved-- <br>ATR Risk - Monthly Debt Obligations taken into consideration meet requirements <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 127 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  | Missing Post Close Valuation - 1-A valid secondary valuation supporting the origination appraisal value is not present.-Resolved--Document Uploaded. <br>An AVM Report was provided. Variance within tolerance. Condition cleared. <br>A valid secondary valuation supporting the origination appraisal value was provided. <br>|  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 126 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 125 | Base | 0615-027 | XXXX | 2 | 1 | 2 | 1 |  | Secondary valuation supports within 10%, PIW grading applies--Acknowledged--Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. <br>|  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 78 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 | Missing Initial Loan Application-The Initial 1003 is Missing-Resolved--The Initial 1003 is Present <br>The Initial 1003 is Present <br>|  | Loan Estimate disclosure is missing or incomplete-Initial LE and revised LE provided. However, loan file only includes consummation CD, dated XX/XX/XXXX, and no additional CDs. Please provide initial and any revised CDs with applicable COCs to support fee increases from initial LE and final CD. Additional conditions may apply. <br> Loan Estimate disclosure is missing or incomplete The initial LE and any other subsequent LEs are missing from the loan file. Additional conditions may apply. This finding is outside the statute of limitations and will be rated a B for all agencies.-Resolved--Full history of LEs and CDs provided. Condition cleared. <br>ECOA: Appraisal Disclosure Missing or Incomplete-ECOA: Appraisal Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies.-Resolved--Appraisal disclosure provided. Condition cleared. <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 77 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  | S&P value equals B, secondary product within tolerance--Acknowledged--S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. <br>|  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 27 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 | Borrower 1 Non-US Document Identification is expired-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX.-Resolved--Document Uploaded. <br> Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. <br>|  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 26 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 24 | Base | 0615-027 | XXXX | 2 | 1 | 2 | 1 |  | Secondary valuation supports within 10%, PIW grading applies--Acknowledged--Secondary valuation support within 10%, PIW in file for a GSE loan. Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. <br>Missing Post Close Valuation - 1-A valid secondary valuation supporting the origination appraisal value is not present.-Resolved--Document Uploaded. <br>Lender provided a Form 2055 Exterior Only Inspection Appraisal Report. Documentation submitted is deemed acceptable as a secondary valuation supporting the origination appraisal value. Condition cleared. <br>A valid secondary valuation supporting the origination appraisal value was provided. <br>|  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 20 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 19 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 18 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 17 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 16 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 12 | Base | 0615-027 | XXXX | 2 | 1 | 2 | 1 |  | Secondary valuation supports within 10%, PIW grading applies--Acknowledged--Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. <br>|  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 11 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 10 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 | Hazard Insurance Shortfall-Hazard Insurance Coverage Amount of $XXX,XXX.XX is less than Total Amount of Subject Lien(s) of $XXX,XXX.XX - Resolved--Document Uploaded. <br> Hazard Insurance Coverage Amount of $XXX,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present <br>|  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 8 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 | Asset Qualification Does Not Meet Guideline Requirements-Borrower's savings account statement reflects deposit of $X,XXX.XX on XX/XX/XXXX and $X,XXX.XX on XX/XX/XXXX. Both qualify as large deposits per selling guide B3-4.2-02. If undocumented large deposits are excluded, borrower's required assets of $926.41 are not verified. Condition remains. <br> Asset Qualification Does Not Meet Guideline Requirements Missing evidence of large deposits of $X,XXX.XX and $X,XXX.XX. Additional conditions may apply.-Resolved--Borrower's cash to close sufficiently documented per savings account in file. EMD was not required to be sourced per selling guide B3-4.3-09. Condition cleared. <br>|  | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements-Borrower's savings account reflects balance of $X,XXX.XX on XX/XX/XXXX, which is sufficient to satisfy cash due at closing requirement of $926.41. However, borrower's EMD deposit of $X,XXX.XX was derived from the unsourced deposits. Condition remains. <br> Borrower's savings account statement reflects deposit of $X,XXX.XX on XX/XX/XXXX and $X,XXX.XX on XX/XX/XXXX. Both qualify as large deposits per selling guide B3-4.2-02. If undocumented large deposits are excluded, borrower's required assets of $XXX.XX are not verified. Condition remains. <br> Borrower's savings account statement reflects deposit of $X,XXX.XX on XX/XX/XXXX and $X,XXX.XX on XX/XX/XXXX. Both qualify as large deposits per selling guide B3-4.2-02. If undocumented large deposits are excluded, borrower's required assets of $926.41 are not verified. Condition remains. <br> ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements-Resolved-- <br> ATR Risk - Current Income or Current Assets were considered <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 7 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 5 | Base | 0615-027 | XXXX | 2 | 1 | 2 | 1 |  | Secondary valuation supports within 10%, PIW grading applies--Acknowledged--Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies <br>|  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 3 | Base | 0615-027 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 156 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 153 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 152 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 151 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 150 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 148 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 146 | Base | 0615-028 | XXXX | 2 | 1 | 1 | 2 |  |  | Federal - Closing Disclosure and Consummation Date-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. This finding is outside the statute of limitations and will be rated as B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated as B for all agencies. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 145 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 144 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 143 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 142 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 139 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 135 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 120 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | E-Consent documentation is missing for borrower(s)-E-Consent documentation on TRID loan is missing for borrower(s)-Resolved--E-Consent Received. Condition cleared. <br>Federal - Closing Disclosure and Consummation Date-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation. No Cure. This finding is outside the statute of limitations and will be rated as B for all agencies.-Resolved--Evidence of borrower receipt of initial CD within timing requirement provided. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 118 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 114 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 110 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 109 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 108 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 106 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 105 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 103 | Base | 0615-028 | XXXX | 2 | 1 | 1 | 2 |  |  | Federal - Closing Disclosure and Consummation Date-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Compliance will be re-reviewed upon receipt of the initial CD. This finding is outside the statute of limitations and will be rated as B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated as B for all agencies. <br>Charges That Cannot Increase Test (50001251)-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Compliance will be re-reviewed upon receipt of the initial CD. This finding is outside the statute of limitations and will be rated as B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated as B for all agencies. <br>Insufficient Change of Circumstance (50001252)-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Compliance will be re-reviewed upon receipt of the initial CD. This finding is outside the statute of limitations and will be rated as B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated as B for all agencies. <br>Charges That In Total Cannot Increase More Than 10% Test (50001257)-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees - Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Compliance will be re-reviewed upon receipt of the initial CD. This finding is outside the statute of limitations and will be rated as B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated as B for all agencies. <br>Charges That In Total Cannot Increase More Than 10% Test (50001258)-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX0). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees - Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Compliance will be re-reviewed upon receipt of the initial CD. This finding is outside the statute of limitations and will be rated as B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated as B for all agencies. <br>TILA: NORTC Missing for one or more borrowers/vested parties-TILA: NORTC Missing for one or more borrowers/vested parties . This finding is outside the statute of limitations and will be rated as B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated as B for all agencies. <br>HPA PMI Disclosure, Borrower, Required - Missing or Incomplete-HPA PMI Disclosure, Borrower, Required - Missing or Incomplete-Resolved--Notice Concerning PMI received. Condition Resolved. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 102 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 101 | Base | 0615-028 | XXXX | 2 | 1 | 1 | 2 |  |  | Insufficient Tolerance Cure (50001026)-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated a B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated a B for all agencies. <br>Insufficient Tolerance Cure (50001028)-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated a B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated a B for all agencies. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 100 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 99 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 98 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 96 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 95 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 94 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies.-Resolved--Document Uploaded. FACTA disclosure provided. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 93 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | Federal - Closing Disclosure and Consummation Date-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies.-Resolved--Document Uploaded. Evidence provided that borrower received initial CD electronically within timing requirement. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 92 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 91 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 90 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 89 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | Lender Credits That Cannot Decrease Test (50001262)-Document Uploaded. COC dated XX/XX/XXXX provided to support decrease in Lender paid portion of processing fee from initial CD dated XX/XX/XXXX to revised CD dated XX/XX/XXXX; however, no COC provided to support decrease in Lender paid portion of processing fee of $XX.XX from revised CD dated XX/XX/XXXX to Lender paid portion of processing fee of $XX.XX on subsequent CDs. Tolerance cure of $0.XX required. Condition remains. <br> The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX.XX). The Last CD shows a total lender credit amount of ($XX.XX). The following fees "lender credits" have decreased below their baseline amounts (Processing Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). <br> The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($XX.XX). The following fees "lender credits" have decreased below their baseline amounts (Processing Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Closing Disclosure dated XX/XX/XXXX, reflects a specific Lender Credit of $X,XXX.XX in Section A. The Final Closing Disclosure reflects a specific Lender Credit of $XX.XX in Section A. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies.-Resolved--Valid COC provided to support decrease in lender credit. No tolerance cure required. Condition cleared. <br>Lender Credits That Cannot Decrease Test (50001261)-COC dated XX/XX/XXXX provided to support decrease in Lender paid portion of processing fee from initial CD dated XX/XX/XXXX to revised CD dated XX/XX/XXXX; however, no COC provided to support decrease in Lender paid portion of processing fee of $XX.XX from revised CD dated XX/XX/XXXX to Lender paid portion of processing fee of $XX.XX on subsequent CDs. Tolerance cure of $0.53 required. Condition remains. <br> Document Uploaded. <br> The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX.XX). The actual total fee amount shows a credit amount of ($XX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (Processing Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). <br> The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($XX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (Processing Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $X,XXX.XX in Section J. The Final Closing Disclosure reflects a general Lender Credit of $0 in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies.-Resolved--Valid COC provided to support decrease in lender credit. No tolerance cure required. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 85 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 84 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 83 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 82 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 81 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 80 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 79 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 73 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 72 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 71 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 69 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 64 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 | Mortgage Insurance Cert Missing-Mortgage Insurance is Present but Mortgage Insurance Cert is missing Missing mortgage insurance certificate.-Resolved--Mortgage Insurance is Present and Mortgage Insurance Cert has been provided or Mortgage Insurance is not Present <br>|  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 63 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 62 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 60 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 59 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 58 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 57 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 56 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 55 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 54 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | Insufficient Change of Circumstance (50001252)-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate dated XX/XX/XXXX reflects an Appraisal fee of $350. Final CD dated XX/XX/XXXX reflects an Appraisal fee of $570. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. This finding is outside the statute of limitations and will be rated a B for all agencies.-Resolved--Lender rebuttal reviewed. No tolerance cure required for increase in appraisal fee from expired LE. Condition cleared. <br>Charges That Cannot Increase Test (50001251)-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate dated XX/XX/XXXX reflects an Appraisal fee of $350. Final CD dated XX/XX/XXXX reflects an Appraisal fee of $570. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. This finding is outside the statute of limitations and will be rated a B for all agencies.-Resolved--Lender rebuttal reviewed. No tolerance cure required for increase in appraisal fee from expired LE. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 52 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 51 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 50 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 49 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | Insufficient Change of Circumstance (50001252)-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Appraisal Update increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies.-Resolved--Document Uploaded. Document Uploaded. Valid COC provided to support fee increase. Compliance re-tested and passed. Condition cleared. <br>Charges That Cannot Increase Test (50001251)-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The CD, dated XX/XX/XXXX, reflects a Appraisal Update of $225.00 that was not disclosed on the Initial Loan Estimate. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $225.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Tolerance cure of $XXX.XX to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated a B for all agencies.-Resolved--Document Uploaded. Valid COC provided to support fee increase. Compliance re-tested and passed. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 48 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 46 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 44 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 43 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 42 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | XXXXX XXXXXXXX - Fees Limitation-All discount points charged included in testing since undiscounted rate was not documented in file. Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. <br> Under the XXXXX XXXXXXXX Interest Provisions, Lender fees not specifically authorized by the statute are limited to ($XXX.XX), which is the greater of 1/4 of 1% of the loan amount or $XXX. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($X,XXX.XX). (N.C. Gen. Stat. 24-1.1A(c)(1); 24-8(d); 24-10(d))-Resolved--Document Uploaded. Evidence of undiscounted rate provided. Compliance re-tested and passed. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 41 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 40 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 39 | Base | 0615-028 | XXXX | 2 | 1 | 1 | 2 |  |  | Charges That In Total Cannot Increase More Than 10% Test (50001257)-This finding is outside the statute of limitations and will be rated as B for all agencies. <br> The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees - Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). This finding is outside the statute of limitations and will be rated as B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated as B for all agencies. <br>Charges That In Total Cannot Increase More Than 10% Test (50001258)-This finding is outside the statute of limitations and will be rated as B for all agencies. <br> The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees - Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). This finding is outside the statute of limitations and will be rated as B for all agencies.-Acknowledged--This finding is outside the statute of limitations and will be rated as B for all agencies. <br>Federal - Finance Charge Disclosure Tolerance (Closed End)-The disclosed finance charge ($XX,XXX.XX) is ($XXX.XX) below the actual finance charge($XX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1). The lender appears to not have included the Title-Title Signing Fees of $125 in Section C.-Resolved--Document Uploaded. <br> Evidence provided that signing fee was for notary purpose only and not considered PPFC. No finance charge violation. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 38 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 37 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 36 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 35 | Base | 0615-028 | XXXX | 2 | 1 | 1 | 2 |  |  | TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions)-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) B-exception grade for circuits in which there is no ruling.-Acknowledged--B-exception grade for circuits in which there is no ruling. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 34 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | Initial Closing Disclosure timing requirement not met-The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt. The loan file only contains final CD, dated XX/XX/XXXX, received by the borrower at consummation. Please provide full disclosure history. Compliance will be tested upon receipt. Additional conditions may apply.-Resolved--Document Uploaded. Initial LEs and initial CD provided. Compliance tested and passed. Condition cleared. <br>Loan Estimate disclosure is missing or incomplete-Loan Estimate disclosure is missing or incomplete The loan file is missing initial LE and all subsequent LES. Please provide full disclosure history. Compliance will be tested upon receipt. Additional conditions may apply.-Resolved--Initial LEs and initial CD provided. Compliance tested and passed. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 33 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 32 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 31 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 30 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | Final Closing Disclosure is missing or incomplete-Final Closing Disclosure is missing or incomplete Loan closed in dry funding state. The Post Close CD with charges reflected in final settlement statement is missing from the loan file. Additional conditions may apply. <br> - Resolved--Document Uploaded. Final CD provided. Condition cleared. <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 9 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | Federal - Closing Disclosure and Consummation Date- <br> The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (ElectronicDelivery). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (2017-08-21). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Resolved--Document Uploaded. Evidence provided that borrower received initial CD electronically to meet timing requirement. Condition cleared. <br>Federal - Finance Charge Disclosure Tolerance (Closed End)-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) A general Lender Credit was listed on the final CD but cannot be used to offset the under-disclosure due to a missing an itemization of the credit. Provide itemization of general lender credit. This finding is outside the statute of limitations and will be rated as B for all agencies. <br> The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Resolved--Document Uploaded. Itemization of lender credit provided. Compliance re-tested and passed. Condition cleared. <br>Initial Closing Disclosure timing requirement not met-The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt. Initial CD is missing in file - Resolved--Initial CD dated XX/XX/XXXX. Condition cleared. Compliance tested and additional findings cited. <br>TRID: Initial Loan Estimate not provided within 3 days of application-The loan file is missing initial LE and all subsequent LEs. Please provide full disclosure history. Compliance will be tested upon receipt. Additional conditions may apply.-Resolved--Initial LE provided dated with 3 days of application. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |
| XXXX | XXXX | 6 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  |  | QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 4 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | Loan Estimate disclosure is missing or incomplete-Loan Estimate disclosure is missing or incomplete The loan file is missing initial LE and all subsequent LEs. Please provide full disclosure history. Compliance will be tested upon receipt. Additional conditions may apply. This finding is outside the statute of limitations and will be rated as B for all agencies.-Resolved--Lender provided a copy of the initial Loan Estimate (LE) with evidence said document was provided to borrower via disclosure history. Documentation submitted is deemed acceptable. Condition cleared. <br>| QM: Safe Harbor APOR (APOR SH) |
| XXXX | XXXX | 2 | Base | 0615-028 | XXXX | 1 | 1 | 1 | 1 |  |  | Federal - Finance Charge Disclosure Tolerance (Closed End)-The disclosed finance charge ($XX,XXX.XX) is ($XXX.XX) below the actual finance charge($XX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) A general Lender Credit was listed on the final CD but cannot be used to offset the under-disclosure due to a missing an itemization of the credit. Provide itemization of general lender credit. Additional conditions may apply.<br> This finding is outside the statute of limitations and will be rated an EVB.-Resolved--Document Uploaded. Itemization of lender credit provided. Condition cleared. <br>Federal - Closing Disclosure and Consummation Date-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation. No Cure.<br> This finding is outside the statute of limitations and will be rated an EVB.-Resolved--Evidence that borrower received initial CD electronically within timing requirement provided. Condition cleared. <br>| QM: Safe Harbor GSE Temporary (GSE SH) |

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## Exhibit 99.2

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **FK Loan ID** | **Loan ID** | **Alt Loan ID** | **Base/Upsize** | **Investor Loan ID** | **Original Loan Amount** | **Initial Credit Loan Grades DBRS** | **Initial Credit Loan Grades Fitch** | **Initial Credit Loan Grades Kroll** | **Initial Credit Loan Grades Moody's** | **Initial Credit Loan Grades S&P** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Fitch** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Final Credit Loan Grades DBRS** | **Final Credit Loan Grades Fitch** | **Final Credit Loan Grades Kroll** | **Final Credit Loan Grades Moody's** | **Final Credit Loan Grades S&P** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Fitch** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** |
| XXXX | XXXX | 134 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A<br> B |
| XXXX | XXXX | 133 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 130 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 128 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 124 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 123 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 122 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 28 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A<br> B |
| XXXX | XXXX | 23 | Base |  | $XXX,XXX.XX |  |  |  |  | D |  |  |  |  | D |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 22 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 15 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | B |  |  |  |  | A |  |  |  |  | B |
| XXXX | XXXX | 14 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 13 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | C |  |  |  |  | A |  |  |  |  | B |
| XXXX | XXXX | 1 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | D |  |  |  |  | A |  |  |  |  | A<br> B |
| XXXX | XXXX | 157 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 155 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | B |  |  |  |  | B |
| XXXX | XXXX | 154 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 149 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 147 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | B |  |  |  |  | B |
| XXXX | XXXX | 141 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 140 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 138 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 137 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 136 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 121 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 119 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 117 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 116 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 115 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 113 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 112 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 107 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 104 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 97 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 88 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 87 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 86 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 76 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 75 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 74 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 70 | Base |  | $XXX,XXX.XX |  |  |  |  | D |  |  |  |  | D |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 68 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 67 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 66 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 65 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 61 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 53 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 47 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 45 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 25 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 29 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 132 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 131 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | D |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 129 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | D |  |  |  |  | A |  |  |  |  | B |
| XXXX | XXXX | 127 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 126 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 125 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | B |  |  |  |  | A |  |  |  |  | B |
| XXXX | XXXX | 78 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | D |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 77 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A<br> B |  |  |  |  | A |  |  |  |  | A<br> B |
| XXXX | XXXX | 27 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 26 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 24 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | C |  |  |  |  | A |  |  |  |  | B |
| XXXX | XXXX | 20 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 19 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 18 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 17 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 16 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 12 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | B |  |  |  |  | A |  |  |  |  | B |
| XXXX | XXXX | 11 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 10 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 8 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 7 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 5 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | B |  |  |  |  | A |  |  |  |  | B |
| XXXX | XXXX | 3 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 156 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 153 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 152 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 151 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 150 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 148 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 146 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | B |  |  |  |  | B |
| XXXX | XXXX | 145 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 144 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 143 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 142 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 139 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 135 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 120 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 118 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 114 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 110 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 109 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 108 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 106 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 105 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 103 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | B |  |  |  |  | B |
| XXXX | XXXX | 102 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 101 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | B |  |  |  |  | B |
| XXXX | XXXX | 100 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 99 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 98 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 96 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 95 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 94 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 93 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 92 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 91 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 90 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 89 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 85 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 84 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 83 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 82 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 81 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 80 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 79 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 73 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 72 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 71 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 69 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 64 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | D |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 63 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 62 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 60 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 59 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 58 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 57 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 56 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 55 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 54 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 52 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 51 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 50 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 49 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 48 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 46 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 44 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 43 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 42 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 41 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 40 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 39 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | B |  |  |  |  | B |
| XXXX | XXXX | 38 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 37 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 36 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 35 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | B |  |  |  |  | B |
| XXXX | XXXX | 34 | Base |  | $XXX,XXX.XX |  |  |  |  | D |  |  |  |  | D |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 33 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 32 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 31 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 30 | Base |  | $XXX,XXX.XX |  |  |  |  | D |  |  |  |  | D |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 9 | Base |  | $XXX,XXX.XX |  |  |  |  | C |  |  |  |  | C |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 6 | Base |  | $XXX,XXX.XX |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 4 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | A |  |  |  |  | A |
| XXXX | XXXX | 2 | Base |  | $XXX,XXX.XX |  |  |  |  | B |  |  |  |  | B |  |  |  |  | A |  |  |  |  | A |

---

## Exhibit 99.2

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **FK Loan ID** | **Loan ID** | **Alt Loan ID** | **Base/Upsize** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | 134 | Base |  | Closed | 2023-12-28 17:50 | 2024-01-09 19:58 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved- - Due Diligence Vendor-01/09/2024 <br> Resolved-Document Uploaded. - Due Diligence Vendor-01/08/2024 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/08/2024 <br> Ready for Review-Document Uploaded. Appeal - Please see Post Close Valuation. - XX - Buyer-01/03/2024 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/28/2023 |  | Resolved- - Due Diligence Vendor-01/09/2024 <br>Resolved-Document Uploaded. - Due Diligence Vendor-01/08/2024 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/08/2024<br>| Test.docx<br> XXXXXXXXX_NO_REO_NUMBER.pdf<br> XXXXXXXXX_AVM.pdf |  |  | XX | Investment | Purchase | NA | 1340792 | N/A | N/A |
| XXXX | XXXX | 134 | Base |  | Closed | 2024-01-08 16:39 | 2024-01-08 16:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/08/2024 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/08/2024<br>|  |  |  | XX | Investment | Purchase | NA | 1359787 | Investor Post-Close | No |
| XXXX | XXXX | 130 | Base |  | Closed | 2023-12-22 20:04 | 2024-01-23 17:59 | Resolved | 1 - Information | Compliance | Missing Doc | Homeownership Counseling Organizations Disclosure Missing or Incomplete | Resolved-Document Uploaded. - Due Diligence Vendor-01/23/2024 <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/23/2024 <br> Open- - Due Diligence Vendor-01/23/2024 <br> Ready for Review-Document Uploaded. 1/22/24 providing HOC. XX - Seller-01/22/2024 <br> Open-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-12/26/2023 | Ready for Review-Document Uploaded. 1/22/24 providing HOC. XX - Seller-01/22/2024<br>| Resolved-Document Uploaded. - Due Diligence Vendor-01/23/2024 <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-01/23/2024<br>| XXXXXXXXX_HOC.pdf<br> XXXXXXXXX_HOC.pdf |  |  | XX | Primary Residence | Purchase | NA | 1332361 | N/A | N/A |
| XXXX | XXXX | 130 | Base |  | Closed | 2023-12-22 20:04 | 2024-01-23 17:58 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: AfBA Disclosure is Missing | Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-01/23/2024 <br> Resolved-Document Uploaded. - Due Diligence Vendor-01/23/2024 <br> Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-01/23/2024 <br> Ready for Review-Document Uploaded. 1/22/24 providing funding request form showing no affiliates. XX - Buyer-01/22/2024 <br> Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-12/26/2023 |  | Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-01/23/2024 <br>Resolved-Document Uploaded. - Due Diligence Vendor-01/23/2024 <br>Resolved-RESPA: AfBA Disclosure is Provided or Not Applicable - Due Diligence Vendor-01/23/2024<br>| XXXXXXXXX_XXXXXXXXX XXXXXXXXX FRF.pdf<br> XXXXXXXXX_XXXXXXXXX XXXXXXXXX FRF.pdf |  |  | XX | Primary Residence | Purchase | NA | 1332362 | N/A | N/A |
| XXXX | XXXX | 130 | Base |  | Closed | 2023-12-22 22:47 | 2024-01-23 15:30 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Document Uploaded. - Due Diligence Vendor-01/23/2024 <br> Resolved-Evidence of E-consent Provided. - Due Diligence Vendor-01/23/2024 <br> Ready for Review-Document Uploaded. 1/22/24 providing e-consent. XX - Buyer-01/22/2024 <br> Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-12/22/2023 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/23/2024 <br>Resolved-Evidence of E-consent Provided. - Due Diligence Vendor-01/23/2024<br>| XXXXXXXXX_XXXXXXXXX_Econsent disclosure.pdf<br> XXXXXXXXX_XXXXXXXXX_Econsent disclosure.pdf |  |  | XX | Primary Residence | Purchase | NA | 1332716 | N/A | N/A |
| XXXX | XXXX | 130 | Base |  | Closed | 2023-12-28 22:05 | 2024-01-23 15:27 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-Document Uploaded. Evidence of Home Loan Toolkit Delivery provided. - Due Diligence Vendor-01/23/2024 <br> Ready for Review-Document Uploaded. 1/22/24 Providing disclosure tracking. XX - Buyer-01/22/2024 <br> Counter-Acknowledgement provided is not for subject transaction. Appears to be loan #XXXXXXXXXXX. Condition remains. - Due Diligence Vendor-01/18/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/18/2024 <br> Ready for Review-1/17/24 Providing Acknowledgement of Receipt of Certain Disclosures and Booklets XX - Seller-01/17/2024 <br> Open-RESXX: Toolkit Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/28/2023 | Ready for Review-1/17/24 Providing Acknowledgement of Receipt of Certain Disclosures and Booklets XX - Seller-01/17/2024<br>| Resolved-Document Uploaded. Evidence of Home Loan Toolkit Delivery provided. - Due Diligence Vendor-01/23/2024<br>| XXXXXXXXX_ Toolkit Acknowledgement.pdf<br> XXXXXXXXX_ Toolkit Acknowledgement.pdf<br> XXXXXXXXX_XXXXXXXXX DISCLOSURE TRACKING COVER LETTER.pdf<br> XXXXXXXXX_XXXXXXXXX DISCLOSURE TRACKING SCREEN GRAB.pdf<br> XXXXXXXXX_XXXXXXXXX DISCLOSURE TRACKING COVER LETTER.pdf<br> XXXXXXXXX_XXXXXXXXX DISCLOSURE TRACKING SCREEN GRAB.pdf |  |  | XX | Primary Residence | Purchase | NA | 1341644 | N/A | N/A |
| XXXX | XXXX | 130 | Base |  | Closed | 2023-12-28 23:53 | 2024-01-09 19:59 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved- - Due Diligence Vendor-01/09/2024 <br> Resolved-Document Uploaded. - Due Diligence Vendor-01/08/2024 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/08/2024 <br> Ready for Review-Document Uploaded. Appeal Please see Post Close Valuation. - XX - Buyer-01/03/2024 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. AVM included in loan file is incomplete and does not include confidence/FSD score. - Due Diligence Vendor-12/28/2023 |  | Resolved- - Due Diligence Vendor-01/09/2024 <br>Resolved-Document Uploaded. - Due Diligence Vendor-01/08/2024 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/08/2024<br>| XXXXXXXXX_NO_REO_NUMBER.pdf<br> XXXXXXXXX_AVM.pdf |  |  | XX | Primary Residence | Purchase | NA | 1341839 | N/A | N/A |
| XXXX | XXXX | 122 | Base |  | Closed | 2023-12-22 14:50 | 2024-03-19 17:26 | Resolved | 1 - Information | Credit | Income/Employment | Income 1 Months Income Verified is Missing | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/19/2024 <br> Resolved- - Due Diligence Vendor-01/17/2024 <br> Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/17/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/17/2024 <br> Ready for Review-01-17-2024 Appeal. Please find SSI Award letter uploaded in other ATR exception. XX - Buyer-01/17/2024 <br> Open-Income 1 Months Income Verified is Missing Borrower is getting SSI income. But Award letter, Receipt. income documents are not available in file. - Due Diligence Vendor-12/22/2023 |  | Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-03/19/2024 <br>Resolved- - Due Diligence Vendor-01/17/2024 <br>Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-01/17/2024<br>| XXXXXXXXX SSI Award letter XXXXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1331396 | N/A | N/A |
| XXXX | XXXX | 122 | Base |  | Closed | 2023-12-22 15:01 | 2024-02-12 20:45 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/12/2024 <br> Resolved- - Due Diligence Vendor-01/17/2024 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/17/2024 <br> Ready for Review-Document Uploaded. 01-17-2024 Appeal. Please find SSI award letter attached. XX - Buyer-01/17/2024 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Borrower income documents are missing in loan file - Due Diligence Vendor-12/22/2023 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/12/2024 <br>Resolved- - Due Diligence Vendor-01/17/2024 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/17/2024<br>| XXXXXXXXX SSI Award letter XXXXXXXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1331447 | N/A | N/A |
| XXXX | XXXX | 28 | Base |  | Closed | 2023-12-28 14:39 | 2024-01-09 20:10 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved- - Due Diligence Vendor-01/09/2024 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/02/2024 <br> Ready for Review-Document Uploaded. 12/29/23 Appeal: Please see the uploaded secondary valuation within 10% variance relative to the appraisal. XX - Buyer-12/29/2023 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/29/2023 |  | Resolved- - Due Diligence Vendor-01/09/2024 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/02/2024<br>| XXXXXXXXX_NO_REO_NUMBER.pdf |  |  | XX | Primary Residence | Purchase | NA | 1340122 | N/A | N/A |
| XXXX | XXXX | 28 | Base |  | Closed | 2024-01-02 17:54 | 2024-01-02 17:54 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/02/2024 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/02/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1347569 | Investor Post-Close | No |
| XXXX | XXXX | 23 | Base |  | Closed | 2024-01-04 15:35 | 2024-01-10 19:43 | Resolved | 1 - Information | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Resolved-Complete LE history provided. Compliance retested and passed. Condition cleared. - Due Diligence Vendor-01/10/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/10/2024 <br> Ready for Review-Document Uploaded. Attached is a copy of the Initial LE issued XX/XX/XXXX and the subsequent LEs issued on XX/XX/XXXX and XX/XX/XXXX. - Buyer-01/08/2024 <br> Open-Loan Estimate disclosure is missing or incomplete The initial LE and any subsequent LE's are missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-01/04/2024 |  | Resolved-Complete LE history provided. Compliance retested and passed. Condition cleared. - Due Diligence Vendor-01/10/2024<br>| XXXXXXXXX_LEs.pdf<br> XXXXXXXXX_LEs.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1352896 | N/A | N/A |
| XXXX | XXXX | 23 | Base |  | Closed | 2024-01-04 15:37 | 2024-01-10 19:42 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD provided. Compliance retested and passed. Condition cleared. - Due Diligence Vendor-01/10/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/10/2024 <br> Ready for Review-Document Uploaded. Please see attached Initial CD - Buyer-01/08/2024 <br> Open-The initial Closing Disclosure is missing from the loan file. Additional conditions may apply. - Due Diligence Vendor-01/04/2024 |  | Resolved-Initial CD provided. Compliance retested and passed. Condition cleared. - Due Diligence Vendor-01/10/2024<br>| XXXXXXXXX_Initial CD.pdf<br> XXXXXXXXX_Initial CD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1352905 | N/A | N/A |
| XXXX | XXXX | 15 | Base |  | Closed | 2024-01-02 23:56 | 2024-01-02 23:56 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-01/02/2024 |  | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-01/02/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1348759 | Investor Post-Close | No |
| XXXX | XXXX | 13 | Base |  | Closed | 2023-12-28 23:39 | 2024-01-09 20:20 | Resolved | 1 - Information | Property | Property | Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided | Resolved- - Due Diligence Vendor-01/09/2024 <br> Resolved-Document Uploaded. - Due Diligence Vendor-01/05/2024 <br> Resolved-Post incident inspection provided - Due Diligence Vendor-01/05/2024 <br> Ready for Review-Document Uploaded. 1.2.24 Appeal. Please see attached Post Disaster Inspection dated XX/XX/XXXX showing no damage to the subject property. Please review and rescind. rk<br> - Buyer-01/02/2024 <br> Open-Subject property is in recent disaster area and there is no post incident inspection . Individual assistance noted in subject county for XXXXXXXXX XXXXXX XXXXXX XXX XXXXXXXXX (DR-4751-TN). - Due Diligence Vendor-12/28/2023 |  | Resolved- - Due Diligence Vendor-01/09/2024 <br>Resolved-Document Uploaded. - Due Diligence Vendor-01/05/2024 <br>Resolved-Post incident inspection provided - Due Diligence Vendor-01/05/2024<br>| XXXXXXXXX_Post Disaster Inspection.pdf<br> XXXXXXXXX_XXXXXXXXX_Post Disaster Inspection.pdf |  |  | XX | Primary Residence | Purchase | NA | 1341813 | N/A | N/A |
| XXXX | XXXX | 13 | Base |  | Closed | 2023-12-29 00:34 | 2023-12-29 00:34 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-12/29/2023 |  | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-12/29/2023<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1341921 | Investor Post-Close | No |
| XXXX | XXXX | 1 | Base |  | Closed | 2024-01-05 12:39 | 2024-02-12 20:56 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/12/2024 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/12/2024 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/17/2024 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/17/2024 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/15/2024 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-01/05/2024 |  | Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/12/2024 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/12/2024 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/17/2024 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/17/2024 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/15/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1355739 | N/A | N/A |
| XXXX | XXXX | 1 | Base |  | Closed | 2024-01-03 14:56 | 2024-01-22 11:42 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Valid COC provided to support fee increases. No additional tolerance cure required. Condition cleared. - Due Diligence Vendor-01/22/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/22/2024 <br> Ready for Review-Document Uploaded. 1-19-24 APPEAL, Providing COC for the Transfer Tax and the Final Inspection. Per the purchase contract the borrower agreed to pay the sellers transfer taxes, which is an uncommon practice and the fees were changed upon receipt and review of the contract. Changes were reflected and disclosed on the LE dated XX/XX/XXXX. The final inspection fee was disclosed on the XX/XX/XXXX LE upon receipt of the original OA made subject to completion. /XX<br> - Buyer-01/19/2024 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Transfer Tax on Post CD dated XX/XX/XXXX is $XX,XXX.XX. LE dated XX/XX/XXXX lists fee as $XX,XXX.XX. Final Inspection on PCCD is $XXX.XX and LE dated XX/XX/XXXX is $0. These fees are in a (0%) tolerance section. The loan file did not contain a valid COC to support the increase. Lender tolerance cure of $XX,XXX.XX is required. Section J reflects $XX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the Recording fee and credit report. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/03/2024 |  | Resolved-Valid COC provided to support fee increases. No additional tolerance cure required. Condition cleared. - Due Diligence Vendor-01/22/2024<br>| XXXXXXXXX_COC.pdf<br> XXXXXXXXX_COC.pdf |  |  | XX | Primary Residence | Purchase | NA | 1349804 | N/A | N/A |
| XXXX | XXXX | 1 | Base |  | Closed | 2024-01-03 14:56 | 2024-01-22 11:42 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Valid COC provided to support fee increases. No additional tolerance cure required. Condition cleared. - Due Diligence Vendor-01/22/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/22/2024 <br> Ready for Review-Document Uploaded. 1-19-24 APPEAL, Providing COC for the Transfer Tax and the Final Inspection. Per the purchase contract the borrower agreed to pay the sellers transfer taxes, which is an uncommon practice and the fees were changed upon receipt and review of the contract. Changes were reflected and disclosed on the LE dated XX/XX/XXXX. The final inspection fee was disclosed on the XX/XX/XXXX LE upon receipt of the original OA made subject to completion. /XX <br> - Buyer-01/19/2024 <br> Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XX,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Transfer Tax on Post CD dated XX/XX/XXXX is $XX,XXX.XX. LE dated XX/XX/XXXX lists fee as $XX,XXX.XX. Final Inspection on PCCD is $XXX and LE dated XX/XX/XXXX is $0. These fees are in a (0%) tolerance section. The loan file did not contain a valid COC to support the increase. Lender tolerance cure of $XX,XXX.XX is required. Section J reflects $XX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the Recording fee and credit report. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-01/03/2024 |  | Resolved-Valid COC provided to support fee increases. No additional tolerance cure required. Condition cleared. - Due Diligence Vendor-01/22/2024<br>| XXXXXXXXX_COC.pdf<br> XXXXXXXXX_COC.pdf |  |  | XX | Primary Residence | Purchase | NA | 1349803 | N/A | N/A |
| XXXX | XXXX | 1 | Base |  | Closed | 2024-01-05 12:36 | 2024-01-15 16:07 | Resolved | 1 - Information | Credit | Missing Doc | Missing Proof of Other Income - Retirement, Pension, Disability (Borrower 2) | Resolved-Verification to support annuity income provided as required by selling guide. Condition cleared. - Due Diligence Vendor-01/15/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/15/2024 <br> Ready for Review-Document Uploaded. Appeal: Attached please find verification of the borrower's 'Other' income of $XX,XXX.XX per month from the borrower's annuity account. The borrower is 74 years old, therefore the IRS mandated withdrawal must be made. Attached please find two quarterly statements verifying the systematic withdrawal monthly from borrower's Annuity account from XX/XXXX thru XX/XXXX. The full statements should be in the loan file, but if full statements are required please advise. - Buyer-01/14/2024 <br> Open-There is no verification of the other income used to qualify. There should be an award letter/pension letter or current 1099 for Borrower 2's other Retirement,Pension, or Disability income in file. - Due Diligence Vendor-01/05/2024 |  | Resolved-Verification to support annuity income provided as required by selling guide. Condition cleared. - Due Diligence Vendor-01/15/2024<br>| XXXXXXXXX_Systematic Withdrawals.pdf<br> XXXXXXXXX_Systematic Withdrawals.pdf |  |  | XX | Primary Residence | Purchase | NA | 1355722 | N/A | N/A |
| XXXX | XXXX | 1 | Base |  | Closed | 2024-01-08 19:34 | 2024-01-08 19:34 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/08/2024 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/08/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1360403 | Investor Post-Close | No |
| XXXX | XXXX | 155 | Base |  | Closed | 2024-01-08 18:13 | 2025-02-19 19:15 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-01/26/2024 <br> Ready for Review-Can you please confirm rating? Purchase loan closed XX/XX/XXXX. - Seller-01/25/2024 <br> Counter-PCCD and LOE provided for $XXX.XX tolerance cure for appraisal fee increase. Finance charge under-disclosure of $XXX remains. Appears Title - Title Services fee in the amount of $400 was not included in disclosed finance charges. Condition remains. - Due Diligence Vendor-01/22/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/19/2024 <br> Ready for Review-Document Uploaded. 1.19.24 Appeal. Please see attached PCCD along with letter of explanation and proof of deposit to customer's account. Please review and rescind. XX<br> - Buyer-01/19/2024 <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $100 below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) . It appears the lender did not include the Title - Title Services fee in the amount of $400.00 in the calculation. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies.<br> - Due Diligence Vendor-01/08/2024 | Ready for Review-Can you please confirm rating? Purchase loan closed XX/XX/XXXX. - Seller-01/25/2024<br>| Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>| XXXXXXXXX_PCCD Pkg.pdf<br> XXXXXXXXX_PCCD Pkg.pdf |  |  | XX | Primary Residence | Purchase | NA | 1360143 | Investor Post-Close | No |
| XXXX | XXXX | 155 | Base |  | Closed | 2024-01-08 17:16 | 2024-01-16 17:24 | Resolved | 1 - Information | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-01/16/2024 <br> Ready for Review-Appeal: TPO application date per Funding Request form is XX/XX/XXXX. CHARM delivery and receipt documented on page 2 of Notice to Applicants Disclosure Notice dated 10/13/20 by borrowers. - Buyer-01/16/2024 <br> Open-TILA: CHARM Booklet is Missing or Incomplete - Due Diligence Vendor-01/08/2024 |  | Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-01/16/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1359931 | N/A | N/A |
| XXXX | XXXX | 155 | Base |  | Closed | 2024-01-02 17:21 | 2024-01-16 17:23 | Resolved | 1 - Information | Compliance | Disclosure | TILA: ARM Program Document is Missing or Incomplete | Resolved-ARM Disclosure is is Present or Not Applicable - Due Diligence Vendor-01/16/2024 <br> Open-ARM Disclosure is Missing or Incomplete ARM Disclosure is Missing - Due Diligence Vendor-01/02/2024 |  | Resolved-ARM Disclosure is is Present or Not Applicable - Due Diligence Vendor-01/16/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1347367 | N/A | N/A |
| XXXX | XXXX | 147 | Base |  | Closed | 2024-01-03 18:54 | 2024-01-22 12:38 | Resolved | 1 - Information | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Evidence provided that no additional CD issued XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-01/22/2024 <br> Ready for Review-Appeal – See back to the Compliance Events Timeline Document cited in the exception - 11/23/20 CD issued on XX/XX/XXXX per the Compliance Events Timeline confirms that this is the Initial CD and that this Initial CD was sent to the borrower(s) on XX/XX/XXXX but was not Received until XX/XX/XXXX, see verbiage on the referenced document XX/XX/XXXX Initial CD Sent to Borrower(s) and XX/XX/XXXX Initial CD Received from the Borrower(s). The file is not missing a XX/XX/XXXX CD as one was not issued. – XX - Buyer-01/19/2024 <br> Open-The revised Closing Disclosure, dated XX/XX/XXXX, reported on the Compliance Events Timeline disclosure, is missing from the loan file. Additional conditions may apply. <br> This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/03/2024 |  | Resolved-Evidence provided that no additional CD issued XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-01/22/2024<br>|  |  |  | XX | Primary Residence | Refinance | Rate and Term | 1350748 | N/A | N/A |
| XXXX | XXXX | 147 | Base |  | Closed | 2024-01-03 18:16 | 2024-01-22 12:32 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Counter-Initial LE in file, dated XX/XX/XXXX, included copy error. Initial LE required to complete compliance testing. Condition remains. - Due Diligence Vendor-01/22/2024 <br> Ready for Review-Appeal – Fee testing reset at borrower request to change the loan terms XX/XX/XXXX, rate set date, application date and intent to proceed date. - XX- Buyer-01/19/2024 <br> Open-Loan Estimate disclosure is missing or incomplete The initial LE, dated XX/XX/XXX, is incomplete. Additional conditions may apply. <br> This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/03/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Rate and Term | 1350612 | N/A | N/A |
| XXXX | XXXX | 115 | Base |  | Closed | 2024-01-08 17:23 | 2024-01-20 13:56 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Evidence of e-consent provided. Condition cleared. - Due Diligence Vendor-01/20/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/19/2024 <br> Ready for Review-Document Uploaded. 1/19/24 Providing E-consent. PA - Buyer-01/19/2024 <br> Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-01/08/2024 |  | Resolved-Evidence of e-consent provided. Condition cleared. - Due Diligence Vendor-01/20/2024<br>| XXXXXXXXX_XXXXXXXXX_E-Consent.pdf<br> XXXXXXXXX_XXXXXXXXX_E-Consent.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 1359953 | N/A | N/A |
| XXXX | XXXX | 115 | Base |  | Closed | 2024-01-08 16:54 | 2024-01-18 20:43 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Loan qualifies as business purpose and not subject to cure. Condition cleared. - Due Diligence Vendor-01/18/2024 <br> Ready for Review-Appeal – Per loan file the subject transaction is a Home Equity Loan per final CD, this is an investment property and not subject to TRID. - XX - Buyer-01/18/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Tolerance cure of $XX to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-01/08/2024 |  | Resolved-Loan qualifies as business purpose and not subject to cure. Condition cleared. - Due Diligence Vendor-01/18/2024<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | 1359850 | N/A | N/A |
| XXXX | XXXX | 115 | Base |  | Closed | 2024-01-08 16:54 | 2024-01-18 20:43 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Loan qualifies as business purpose and not subject to cure. Condition cleared. - Due Diligence Vendor-01/18/2024 <br> Ready for Review-Appeal – Per loan file the subject transaction is a Home Equity Loan per final CD, this is an investment property and not subject to TRID. - XX- Buyer-01/18/2024 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, reflects an appraisal fee of $520.00. The Final CD reflects an appraisal fee of $575.00. The loan file did not contain a valid COC to support the new fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $55.00 is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-01/08/2024 |  | Resolved-Loan qualifies as business purpose and not subject to cure. Condition cleared. - Due Diligence Vendor-01/18/2024<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | 1359849 | N/A | N/A |
| XXXX | XXXX | 112 | Base |  | Closed | 2024-01-11 14:44 | 2024-02-07 15:08 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Valid e-consent provided. Condition cleared. - Due Diligence Vendor-02/07/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/07/2024 <br> Ready for Review-Document Uploaded. 2/6/24 Providing e-consent. XX - Buyer-02/06/2024 <br> Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-01/11/2024 |  | Resolved-Valid e-consent provided. Condition cleared. - Due Diligence Vendor-02/07/2024<br>| XXXXXXXXX_econsent.pdf<br> XXXXXXXXX_econsent.pdf |  |  | XX | Investment | Purchase | NA | 1367061 | N/A | N/A |
| XXXX | XXXX | 70 | Base |  | Closed | 2024-01-11 15:07 | 2024-02-02 22:26 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-Revised LE dated XX/XX/XXXX and COC for program change to support fee increase. No additional tolerance cure required. Condition cleared. - Due Diligence Vendor-02/02/2024 <br> Resolved-Document Uploaded. - Due Diligence Vendor-02/02/2024 <br> Ready for Review-See CIC Documentation and Revised LE uploaded to the FTP folder. $XXX CEM recording fee added when loan changed to XX XXXX. Baseline is $XXXX.XX ($XXXX.XXX at 110%) - $XXXX.XX in total charges = required cure of $XXX.XX which was provided at consummation. - Buyer-02/02/2024 <br> Counter-The document provided for review indicates a credit was provided for the XX Mtg Tax, this is already included in the calculations below; an additional cure of $XXX,XX is required or a valid Change of Circumstance is required for the increase in Recording Fees from the last disclosed LE to the Initial CD; condition remains. - Due Diligence Vendor-01/24/2024 <br> Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated as B for all agencies. The baseline 10% tolerance fees are $X,XXX ($X,XXX.XX at 110%, the total 10% Fees on the Final CD are $X,XXX.XX, a tolerance cure of $X,XXX.XX is required for the 10% fees. The Transfer Taxes increased from a baseline of $X,XXX on the Initial LE to $X,XXX on the Final CD, a tolerance cure of $4.00 is required for the transfer taxes. The total Cure required is $X,XXX.XX which is less than the cure provided at closing of $XXX.XX. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-01/24/2024 <br> Ready for Review-1/23/24-Appeal: Chase screen prints provided to FTP which confirm a lender credit in the amount of $XXXX, please review and rescind XX. - Buyer-01/23/2024 <br> Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-01/11/2024 |  | Resolved-Revised LE dated XX/XX/XXXX and COC for program change to support fee increase. No additional tolerance cure required. Condition cleared. - Due Diligence Vendor-02/02/2024 <br> Resolved-Document Uploaded. - Due Diligence Vendor-02/02/2024<br>| XXXXXXXXX - CIC Documentation.pdf<br> XXXXXXXXX - Revised LE issued XX/XX/XXXX.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 1367127 | N/A | N/A |
| XXXX | XXXX | 70 | Base |  | Closed | 2024-01-11 15:07 | 2024-02-02 22:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Document Uploaded. - Due Diligence Vendor-02/02/2024 <br> Resolved-Revised LE dated XX/XX/XXXX and COC for program change to support fee increase. No additional tolerance cure required. Condition cleared. - Due Diligence Vendor-02/02/2024 <br> Ready for Review-Please see XXXXXXXXX-Fees-Limited - Seller-02/02/2024 <br> Counter-The document provided for review indicates a credit was provided for the XX Mtg Tax, this is already included in the calculations below; an additional cure of $XXX,XX is required or a valid Change of Circumstance is required for the increase in Recording Fees from the last disclosed LE to the Initial CD; condition remains. - Due Diligence Vendor-01/24/2024 <br> Counter-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated as B for all agencies. The baseline 10% tolerance fees are $X,XXX ($X,XXX.XX at 110%, the total 10% Fees on the Final CD are $X,XXX.XX, a tolerance cure of $X,XXX.XX is required for the 10% fees. The Transfer Taxes increased from a baseline of $X,XXX on the Initial LE to $X,XXX on the Final CD, a tolerance cure of $X.XX is required for the transfer taxes. The total Cure required is $X,XXX.XX which is less than the cure provided at closing of $XXX.XX. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-01/24/2024 <br> Ready for Review-1/23/24-Appeal: Chase screen prints provided to FTP which confirm a lender credit in the amount of $XXXX, please review and rescind XX. - Seller-01/23/2024 <br> Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-01/11/2024 | Ready for Review-Please see 50001026-Fees-Limited - Seller-02/02/2024 <br> Ready for Review-1/23/24-Appeal: Chase screen prints provided to FTP which confirm a lender credit in the amount of $XXXX, please review and rescind XX. - Seller-01/23/2024<br>| Resolved-Document Uploaded. - Due Diligence Vendor-02/02/2024 <br> Resolved-Revised LE dated XX/XX/XXXX and COC for program change to support fee increase. No additional tolerance cure required. Condition cleared. - Due Diligence Vendor-02/02/2024<br>| XXXXXXXXX - CIC Documentation.pdf<br> XXXXXXXXX - Revised LE issued XX/XX/XXXX.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | 1367128 | N/A | N/A |
| XXXX | XXXX | 70 | Base |  | Closed | 2024-01-11 13:37 | 2024-01-18 17:43 | Resolved | 1 - Information | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/18/2024 <br> Ready for Review-1/18/24-Uploaded executed Rate Lock Agreement tp FTP-XX - Buyer-01/18/2024 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-01/11/2024 |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-01/18/2024<br>|  |  |  | XX | Investment | Refinance | Cash Out - Other | 1366864 | N/A | N/A |
| XXXX | XXXX | 45 | Base |  | Closed | 2024-01-09 13:24 | 2024-01-23 19:57 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Document Uploaded. - Due Diligence Vendor-01/23/2024 <br> Resolved-Evidence of Change in Circumstance provided; condition resolved. - Due Diligence Vendor-01/23/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/22/2024 <br> Ready for Review-Please note that the original appraisal was > 120 days as of XX/XX/XXXX, therefore an appraisal update was required. Please see the attached COC for re-baseline for the additional charges. Original appraisal effective XX/XX/XXXX; updated appraisal completed XX/XX/XXXX. Also providing copy of the re-disclosed CD Ver-2 dated XX/XX/XXXX. Supporting docs have been placed in the FTP\Sent_Archive\XXXX folder. - Buyer-01/21/2024 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Update Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated XX/XX/XXXX, does not reflect an Appraisal Update of $325. The Final CD reflects an Appraisal Update of $225. The loan file did not contain a valid COC to support the new fee. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-01/09/2024 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/23/2024 <br>Resolved-Evidence of Change in Circumstance provided; condition resolved. - Due Diligence Vendor-01/23/2024<br>| XXXXXXXXX_CD Ver-2.pdf<br> XXXXXXXXX_COC.pdf<br> XXXXXXXXX_COC.pdf<br> XXXXXXXXX_CD Ver-2.pdf |  |  | XX | Primary Residence | Refinance | Rate and Term | 1361896 | N/A | N/A |
| XXXX | XXXX | 45 | Base |  | Closed | 2024-01-09 13:24 | 2024-01-23 19:57 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Document Uploaded. - Due Diligence Vendor-01/23/2024 <br> Resolved-Evidence of change in circumstance provided; condition resolved. - Due Diligence Vendor-01/23/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-01/22/2024 <br> Ready for Review-Please note that the original appraisal was > 120 days as of XX/XX/XXXX, therefore an appraisal update was required. Please see the attached COC for re-baseline for the additional charges. Original appraisal effective XX/XX/XXXX; updated appraisal completed XX/XX/XXXX. Also providing copy of the re-disclosed CD Ver-2 dated XX/XX/XXXX. Supporting docs have been placed in the FTP\Sent_Archive\XXXX folder. - Buyer-01/21/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Update Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Tolerance cure of $225 to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated as B for all agencies.<br> - Due Diligence Vendor-01/09/2024 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/23/2024 <br>Resolved-Evidence of change in circumstance provided; condition resolved. - Due Diligence Vendor-01/23/2024<br>| XXXXXXXXX_COC.pdf<br> XXXXXXXXX_CD Ver-2.pdf<br> XXXXXXXXX_CD Ver-2.pdf<br> XXXXXXXXX_COC.pdf |  |  | XX | Primary Residence | Refinance | Rate and Term | 1361897 | N/A | N/A |
| XXXX | XXXX | 29 | Base |  | Closed | 2023-12-29 17:27 | 2024-01-09 20:10 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Document Uploaded. - Due Diligence Vendor-01/08/2024 <br> Resolved-Valid COC provided to support appraisal fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-01/08/2024 <br> Ready for Review-Document Uploaded. 1-8-2024 APPEAL, Providing evidence the appraisal fee was disclosed to the borrower prior to the issuance of the CDs. Also providing CIC for addition of appraisal fee. /XX - Buyer-01/08/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate, dated (XX/XX/XXXX), does not reflects a (Appraisal Fee). (Final / Post-Closing) CD dated (XX/XX/XXXX) reflects a (Appraisal Fee) of ($595).<br> The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-12/29/2023 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/08/2024 <br>Resolved-Valid COC provided to support appraisal fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-01/08/2024<br>| XXXXXXXXX_CIC Appraisal fee.pdf<br> XXXXXXXXX_CIC Appraisal fee.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1343545 | N/A | N/A |
| XXXX | XXXX | 29 | Base |  | Closed | 2023-12-29 17:27 | 2024-01-09 20:09 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Document Uploaded. - Due Diligence Vendor-01/08/2024 <br> Resolved-Valid COC provided to support appraisal fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-01/08/2024 <br> Ready for Review-Document Uploaded. 1-8-2024 APPEAL, Providing evidence the appraisal fee was disclosed to the borrower prior to the issuance of the CDs. Also providing CIC for addition of appraisal fee. /XX - Buyer-01/08/2024 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate, dated (XX/XX/XXXX), does not reflects a (Appraisal Fee). (Final / Post-Closing) CD dated (XX/XX/XXXX) reflects a (Appraisal Fee) of ($595).<br> The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of ($XXX) is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-12/29/2023 |  | Resolved-Document Uploaded. - Due Diligence Vendor-01/08/2024 <br>Resolved-Valid COC provided to support appraisal fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-01/08/2024<br>| XXXXXXXXX_CIC Appraisal fee.pdf<br> XXXXXXXXX_CIC Appraisal fee.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1343544 | N/A | N/A |
| XXXX | XXXX | 131 | Base |  | Closed | 2024-01-29 13:06 | 2024-03-21 12:50 | Resolved | 1 - Information | Credit | Missing Doc | Missing Final Application (1003) | Resolved-Document Uploaded. - Due Diligence Vendor-02/13/2024 <br> Resolved-The Final 1003 is Present - Due Diligence Vendor-02/13/2024 <br> Ready for Review-2/13-Appeal: Attached please find the final 1003 as requested, Copy just uploaded to FTP. XX - Seller-02/13/2024 <br> Open-The Final 1003 is Missing - Due Diligence Vendor-01/29/2024 | Ready for Review-2/13-Appeal: Attached please find the final 1003 as requested, Copy just uploaded to FTP. XX - Seller-02/13/2024<br>| Resolved-Document Uploaded. - Due Diligence Vendor-02/13/2024 <br>Resolved-The Final 1003 is Present - Due Diligence Vendor-02/13/2024<br>| XXXXXXXXX_Final 1003.pdf |  |  | XX | Primary Residence | Purchase | NA | 1397064 | N/A | N/A |
| XXXX | XXXX | 131 | Base |  | Closed | 2024-02-07 18:17 | 2024-02-13 22:04 | Resolved | 1 - Information | Compliance | Missing Doc | RESPA: Toolkit Missing or Incomplete | Resolved-Document Uploaded. Evidence provided that toolkit provided within timing requirement. Condition cleared. - Due Diligence Vendor-02/13/2024 <br> Ready for Review-Document Uploaded. 2.13.24 Appeal attached TPO toolkit electronic record disclosure with borrower kindly review rescind to resolve.XX. - Seller-02/13/2024 <br> Open-RESPA: Toolkit Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/07/2024 | Ready for Review-Document Uploaded. 2.13.24 Appeal attached TPO toolkit electronic record disclosure with borrower kindly review rescind to resolve.gs. - Seller-02/13/2024<br>| Resolved-Document Uploaded. Evidence provided that toolkit provided within timing requirement. Condition cleared. - Due Diligence Vendor-02/13/2024<br>| XXXXXXXXX_Electronic tookit disclosure.pdf<br> XXXXXXXXX_Electronic tookit disclosure.pdf |  |  | XX | Primary Residence | Purchase | NA | 1419829 | N/A | N/A |
| XXXX | XXXX | 131 | Base |  | Closed | 2024-01-29 16:55 | 2024-02-13 21:45 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/13/2024 <br> Ready for Review-Pending review of Hazard insurance just uploaded to FTP. - Seller-02/13/2024 <br> Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements ATR Risk - Monthly HO not meet requirements - Due Diligence Vendor-01/29/2024 | Ready for Review-Pending review of Hazard insurance just uploaded to FTP. - Seller-02/13/2024<br>| Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-02/13/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1397884 | N/A | N/A |
| XXXX | XXXX | 131 | Base |  | Closed | 2024-01-29 15:48 | 2024-02-13 21:45 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Document Uploaded. - Due Diligence Vendor-02/13/2024 <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/13/2024 <br> Ready for Review-2/13-Appeal : Attached please find the Hazard Insurance Policy as requested. Doc uploaded to FTP site. XX <br> - Seller-02/13/2024 <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-01/29/2024 | Ready for Review-2/13-Appeal : Attached please find the Hazard Insurance Policy as requested. Doc uploaded to FTP site. XX <br> - Seller-02/13/2024<br>| Resolved-Document Uploaded. - Due Diligence Vendor-02/13/2024 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-02/13/2024<br>| XXXXXXXXX_Hazard Insurance.pdf |  |  | XX | Primary Residence | Purchase | NA | 1397634 | N/A | N/A |
| XXXX | XXXX | 129 | Base |  | Closed | 2024-01-29 17:05 | 2024-02-15 22:15 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved- - Due Diligence Vendor-02/15/2024 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/15/2024 <br> Ready for Review-Appeal 2/13/2024: Per 1008 the loan received a DU approval. The XXXX account reflected on the final loan application with monthly payment of $XX was included in the DU DTI calculation. The DU in file did not condition for an updated credit report for debts reflected on the loan application and not the credit report. - Buyer-02/13/2024 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements File missing updated credit report reflecting additional revolving debt included in ratios. - Due Diligence Vendor-01/29/2024 |  | Resolved- - Due Diligence Vendor-02/15/2024 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/15/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1397913 | N/A | N/A |
| XXXX | XXXX | 129 | Base |  | Closed | 2024-01-29 16:57 | 2024-02-15 22:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing credit report | Resolved-Lender rebuttal reviewed. Rev account with XXXX disclosed on 1003 was not required to be verified by DU or selling guide B3-6-08. Condition cleared. - Due Diligence Vendor-02/15/2024 <br> Ready for Review-Per 1008 the loan received a DU approval. The XXXX account reflected on the final loan application with monthly payment of $XX was included in the DU DTI calculation. The DU in file did not condition for an updated credit report for debts reflected on the loan application and not the credit report. - Buyer-02/13/2024 <br> Open-The final loan application reflects an additional revolving debt included in ratios. The credit reports in the loan file do not reflect this debt. Provide updated credit report. - Due Diligence Vendor-01/29/2024 |  | Resolved-Lender rebuttal reviewed. Rev account with Citi disclosed on 1003 was not required to be verified by DU or selling guide B3-6-08. Condition cleared. - Due Diligence Vendor-02/15/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1397885 | N/A | N/A |
| XXXX | XXXX | 129 | Base |  | Closed | 2024-02-07 18:05 | 2024-02-07 18:05 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/07/2024 |  | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/07/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1419787 | Investor Post-Close | No |
| XXXX | XXXX | 127 | Base |  | Closed | 2024-01-29 19:27 | 2024-04-03 14:33 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. - Due Diligence Vendor-03/01/2024 <br> Resolved-An AVM Report was provided. Variance within tolerance. Condition cleared. - Due Diligence Vendor-03/01/2024 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/01/2024 <br> Ready for Review-Appeal - See the AVM added to the shared folder, supports origination value of XXX,XXX.XX with 0% variance. - Buyer-02/29/2024 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/29/2024 |  | Resolved-Document Uploaded. - Due Diligence Vendor-03/01/2024 <br>Resolved-An AVM Report was provided. Variance within tolerance. Condition cleared. - Due Diligence Vendor-03/01/2024 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/01/2024<br>| XXXXXXXXX_AVM.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1398496 | N/A | N/A |
| XXXX | XXXX | 125 | Base |  | Closed | 2024-02-06 14:33 | 2024-02-07 18:02 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/07/2024 |  | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/07/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1415764 | Investor Post-Close | No |
| XXXX | XXXX | 78 | Base |  | Closed | 2024-01-29 19:03 | 2024-03-21 14:11 | Resolved | 1 - Information | Credit | Missing Doc | Missing Initial Loan Application | Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/21/2024 <br> Resolved- - Due Diligence Vendor-02/14/2024 <br> Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/14/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/14/2024 <br> Ready for Review-Appeal 2/14/2024: Please see copy of the initial loan application saved to the FTP folder. - Seller-02/14/2024 <br> Open-The Initial 1003 is Missing - Due Diligence Vendor-02/06/2024 | Ready for Review-Appeal 2/14/2024: Please see copy of the initial loan application saved to the FTP folder. - Seller-02/14/2024<br>| Resolved-The Initial 1003 is Present - Due Diligence Vendor-03/21/2024 <br>Resolved- - Due Diligence Vendor-02/14/2024 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/14/2024<br>| XXXXXXXXX_Appraisl Disclosure.pdf<br> XXXXXXXXX_Initial Loan Application.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1398392 | N/A | N/A |
| XXXX | XXXX | 78 | Base |  | Closed | 2024-02-07 18:59 | 2024-02-19 15:49 | Resolved | 1 - Information | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Resolved-Full history of LEs and CDs provided. Condition cleared. - Due Diligence Vendor-02/19/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/19/2024 <br> Ready for Review-Please see CD saved to the FTP folder. - Seller-02/16/2024 <br> Counter-Initial LE and revised LE provided. However, loan file only includes consummation CD, dated XX/XX/XXXX, and no additional CDs. Please provide initial and any revised CDs with applicable COCs to support fee increases from initial LE and final CD. Additional conditions may apply. - Due Diligence Vendor-02/14/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/14/2024 <br> Ready for Review-Please see LEs vVer-1 and 2 saved to the FTP folder.<br> - Buyer-02/14/2024 <br> Open-Loan Estimate disclosure is missing or incomplete The initial LE and any other subsequent LEs are missing from the loan file. Additional conditions may apply. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/07/2024 | Ready for Review-Please see CD saved to the FTP folder. - Seller-02/16/2024<br>| Resolved-Full history of LEs and CDs provided. Condition cleared. - Due Diligence Vendor-02/19/2024<br>| XXXXXXXXX_Loan Estimates_V1 V2.pdf<br> XXXXXXXXX_CD Ver2.pdf<br> XXXXXXXXX_Final CD.pdf<br> XXXXXXXXX_CD Ver1.pdf<br> XXXXXXXXX_CD Ver3.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1420038 | N/A | N/A |
| XXXX | XXXX | 78 | Base |  | Closed | 2024-02-06 15:49 | 2024-02-14 23:04 | Resolved | 1 - Information | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Resolved-Appraisal disclosure provided. Condition cleared. - Due Diligence Vendor-02/14/2024 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-02/14/2024 <br>Ready for Review-Please see Appraisal Disclosure saved to the FTP folder. - Seller-02/14/2024 <br>Open-ECOA: Appraisal Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/06/2024 | Ready for Review-Please see Appraisal Disclosure saved to the FTP folder. - Seller-02/14/2024<br>| Resolved-Appraisal disclosure provided. Condition cleared. - Due Diligence Vendor-02/14/2024<br>| XXXXXXXXX_Appraisl Disclosure.pdf<br> XXXXXXXXX_Appraisl Disclosure.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1416177 | N/A | N/A |
| XXXX | XXXX | 77 | Base |  | Closed | 2024-02-07 19:32 | 2024-02-07 19:32 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/07/2024 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/07/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1420179 | Investor Post-Close | No |
| XXXX | XXXX | 27 | Base |  | Closed | 2024-02-06 16:03 | 2024-02-14 21:54 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Non-US Document Identification is expired | Resolved-Document Uploaded. - Due Diligence Vendor-02/14/2024 <br> Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXX. - Due Diligence Vendor-02/14/2024 <br> Ready for Review-Document Uploaded. 02/13/2024: Appeal: Please find attached USA Form I-797 which extends the Permanent Resident card for 12 months past the expiration date of the card. XX - Buyer-02/13/2024 <br> Open-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/06/2024 |  | Resolved-Document Uploaded. - Due Diligence Vendor-02/14/2024 <br> Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/14/2024<br>| XXXXXXXXX_US Form I-797.pdf<br> XXXXXXXXX_US Form I-797.pdf |  |  | XX | Primary Residence | Purchase | NA | 1416252 | N/A | N/A |
| XXXX | XXXX | 24 | Base |  | Closed | 2024-03-06 16:06 | 2024-03-06 16:06 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/06/2024 |  | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/06/2024<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 1475293 | Investor Post-Close | No |
| XXXX | XXXX | 24 | Base |  | Closed | 2024-02-05 15:03 | 2024-03-01 16:33 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-Document Uploaded. - Due Diligence Vendor-03/01/2024 <br> Resolved-Lender provided a Form 2055 Exterior Only Inspection Appraisal Report. Documentation submitted is deemed acceptable as a secondary valuation supporting the origination appraisal value. Condition cleared. - Due Diligence Vendor-03/01/2024 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/01/2024 <br> Ready for Review-Appeal - See the Exterior-Only 2055 with value of XXX,XXX that supported value used at origination of XXX,XXX within 10%. - Buyer-02/29/2024 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/05/2024 |  | Resolved-Document Uploaded. - Due Diligence Vendor-03/01/2024 <br>Resolved-Lender provided a Form 2055 Exterior Only Inspection Appraisal Report. Documentation submitted is deemed acceptable as a secondary valuation supporting the origination appraisal value. Condition cleared. - Due Diligence Vendor-03/01/2024 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/01/2024<br>| XXXXXXXXX_Exterior Only Appraisal.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Debt Consolidation | 1413250 | N/A | N/A |
| XXXX | XXXX | 12 | Base |  | Closed | 2024-02-08 12:46 | 2024-02-08 21:33 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/08/2024 |  | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/08/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1421642 | Investor Post-Close | No |
| XXXX | XXXX | 10 | Base |  | Closed | 2024-02-07 17:35 | 2024-02-14 22:03 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Document Uploaded. - Due Diligence Vendor-02/14/2024 <br> Resolved-Hazard Insurance Coverage Amount of $XXX,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-02/14/2024 <br> Ready for Review-Document Uploaded. 02/13/2024 Appeal: Please see attached documentation which verifies XXXXX contacted XXXXXXX X with XXXXXXXX XXXXXXXXX XXXXXXXXX. Replacement Cost Coverage was confirmed at that time. XX - Buyer-02/13/2024 <br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX.XX - Due Diligence Vendor-02/07/2024 |  | Resolved-Document Uploaded. - Due Diligence Vendor-02/14/2024 <br> Resolved-Hazard Insurance Coverage Amount of $XXX,XXX.XX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-02/14/2024<br>| XXXXXXXXX_RCC verified.pdf<br> XXXXXXXXX_RCC verified.pdf |  |  | XX | Primary Residence | Purchase | NA | 1419639 | N/A | N/A |
| XXXX | XXXX | 8 | Base |  | Closed | 2024-02-12 19:52 | 2024-02-27 13:10 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved- - Due Diligence Vendor-02/27/2024 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/27/2024 <br> Ready for Review-2/23/24 The large deposits were made into the Checking account. Only the Savings account balance was considered for funds to close, and it had no large deposits. XX - Seller-02/23/2024 <br> Counter-Borrower's savings account reflects balance of $X,XXX.XX on XX/XX/XXXX, which is sufficient to satisfy cash due at closing requirement of $XXX.XX. However, borrower's EMD deposit of $X,XXX.XX was derived from the unsourced deposits. Condition remains. - Due Diligence Vendor-02/21/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/21/2024 <br> Ready for Review-02/21/2024 The two large deposits are present in the borrower's checking account, #XXXXXXXXXXX. The savings account #XXXXXXXXXXXX with a current balance of $X,XXX.XX covers the required assets of $926.41. The savings account, #XXXXXXXXXXX, begins at the bottom of page two of the attached bank statement. The XXXXXXXX statement is located in the downloaded file. Thank you. XX - Seller-02/21/2024 <br> Counter-Borrower's savings account statement reflects deposit of $X,XXX on XX/XX/XXXX and $X,XXX on XX/XX/XXXX. Both qualify as large deposits per selling guide B3-4.2-02. If undocumented large deposits are excluded, borrower's required assets of $926.41 are not verified. Condition remains. - Due Diligence Vendor-02/19/2024 <br> Ready for Review-02/16/2024 Appeal: Chase notes that the checking account includes large deposits and therefore XXXXX chose to exclude this account from borrower's assets for proof of the required $XXX.XX. The loan file includes two months bank statements for savings which show initial balance of $X,XXX.XX on XX/XX/XXXX and a final balance of $X,XXX.XX on XX/XX/XXXX. The transactions show that $XXX0 was transferred from the checking account to savings XX/XX/XXXX. If that transfer is not considered due to large deposits into checking, the savings balance can be reduced to $X,XXX.XX and is sufficient to satisfy the assets requirement. XX - Buyer-02/16/2024 <br> Counter-Borrower's savings account statement reflects deposit of $X,XXX.XX on XX/XX/XXXX and $X,XXX.XX on XX/XX/XXXX. Both qualify as large deposits per selling guide B3-4.2-02. If undocumented large deposits are excluded, borrower's required assets of $XXX.XX are not verified. Condition remains. - Due Diligence Vendor-02/16/2024 <br> Ready for Review-02/15/2024 Appeal: The assets of $1,726.61, listed on the Final 1003, are from the borrower's savings account with XXXXXXXXX (please see pages 5-12 of the downloaded file). The savings account does not reflect any large deposits. The bank statements are for XX/XXXX and XX/XXXX. The borrower's required assets were $926.41 XX - Seller-02/15/2024 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements - Due Diligence Vendor-02/12/2024 | Ready for Review-2/23/24 The large deposits were made into the Checking account. Only the Savings account balance was considered for funds to close, and it had no large deposits. XX - Seller-02/23/2024 <br> Ready for Review-02/21/2024 The two large deposits are present in the borrower's checking account, # XXXXXXXXXXX. The savings account #XXXXXXXXXXX with a current balance of $X,XXX.XX covers the required assets of $XXX.XX. The savings account, #XXXXXXXXXX, begins at the bottom of page two of the attached bank statement. The January statement is located in the downloaded file. Thank you. XX - Seller-02/21/2024 <br> Ready for Review-02/15/2024 Appeal: The assets of $X,XXX.XX, listed on the Final 1003, are from the borrower's savings account with Santander (please see pages 5-12 of the downloaded file). The savings account does not reflect any large deposits. The bank statements are for XX/XXXX and XX/XXXX. The borrower's required assets were $XXX.XX XX - Seller-02/15/2024<br>| Resolved- - Due Diligence Vendor-02/27/2024 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-02/27/2024<br>| XXXXXXXXX_Bank Statement.pdf |  |  | XX | Primary Residence | Purchase | NA | 1429555 | N/A | N/A |
| XXXX | XXXX | 8 | Base |  | Closed | 2024-02-12 19:51 | 2024-02-27 13:09 | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Borrower's cash to close sufficiently documented per savings account in file. EMD was not required to be sourced per selling guide B3-4.3-09. Condition cleared. - Due Diligence Vendor-02/27/2024 <br> Ready for Review-2/23/24 The large deposits were made into the Checking account. Only the Savings account balance was considered for funds to close, and it had no large deposits. XX - Buyer-02/23/2024 <br> Counter-Borrower's savings account statement reflects deposit of $X,XXX.XX on XX/XX/XXXX and $X,XXX.XX on XX/XX/XXXX. Both qualify as large deposits per selling guide B3-4.2-02. If undocumented large deposits are excluded, borrower's required assets of $926.41 are not verified. Condition remains. - Due Diligence Vendor-02/16/2024 <br> Ready for Review-02/15/2024 Appeal: The assets of $1,726.61, listed on the Final 1003, are from the borrower's savings account with Santander (please see pages 5-12 of the downloaded file). The savings account does not reflect any large deposits. The bank statements are for XX/XXXX and XX/XXXX. The borrower's required assets were $926.41 XX - Seller-02/15/2024 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing evidence of large deposits of $X,XXX.XX and $X,XXX.XX. Additional conditions may apply. - Due Diligence Vendor-02/12/2024 | Ready for Review-02/15/2024 Appeal: The assets of $X,XXX.XX, listed on the Final 1003, are from the borrower's savings account with Santander (please see pages 5-12 of the downloaded file). The savings account does not reflect any large deposits. The bank statements are for XX/XXXX and XX/XXXX. The borrower's required assets were $XXX.XX XX - Seller-02/15/2024<br>| Resolved-Borrower's cash to close sufficiently documented per savings account in file. EMD was not required to be sourced per selling guide B3-4.3-09. Condition cleared. - Due Diligence Vendor-02/27/2024<br>|  |  |  | XX | Primary Residence | Purchase | NA | 1429546 | N/A | N/A |
| XXXX | XXXX | 5 | Base |  | Closed | 2024-02-09 14:34 | 2024-02-13 14:34 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-02/09/2024 |  | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-02/09/2024<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1425092 | Investor Post-Close | No |
| XXXX | XXXX | 146 | Base |  | Closed | 2024-02-09 21:18 | 2025-02-19 22:51 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/09/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1426697 | Investor Post-Close | No |
| XXXX | XXXX | 120 | Base |  | Closed | 2024-02-12 17:28 | 2024-03-04 20:19 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent Received. Condition cleared. - Due Diligence Vendor-03/04/2024 <br> Ready for Review-Document Uploaded. 3/4/24 providing e-consent. XX - Buyer-03/04/2024 <br> Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-02/12/2024 |  | Resolved-E-Consent Received. Condition cleared. - Due Diligence Vendor-03/04/2024<br>| XXXXXXXXX_econsent.pdf |  |  | XX | Primary Residence | Purchase | NA | 1429115 | N/A | N/A |
| XXXX | XXXX | 120 | Base |  | Closed | 2024-02-12 17:01 | 2024-02-21 16:54 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Evidence of borrower receipt of initial CD within timing requirement provided. Condition cleared. - Due Diligence Vendor-02/21/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/21/2024 <br> Ready for Review-Document Uploaded. 2/20/24 - Appeal: see attached copy of system generated document showing that the Initial CD was issued and received by the borrower on the same day XX/XX/XXXX, therefore more than 3 days prior to closing XX/XX/XXXX…XX<br> - Buyer-02/20/2024 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation. No Cure. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/12/2024 |  | Resolved-Evidence of borrower receipt of initial CD within timing requirement provided. Condition cleared. - Due Diligence Vendor-02/21/2024<br>| XXXXXXXXX_Proof of Initial CD Receipt.pdf<br> XXXXXXXXX_Proof of Initial CD Receipt.pdf |  |  | XX | Primary Residence | Purchase | NA | 1429024 | N/A | N/A |
| XXXX | XXXX | 103 | Base |  | Closed | 2024-02-13 14:32 | 2025-02-19 22:56 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Compliance will be re-reviewed upon receipt of the initial CD. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/13/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1431051 | Investor Post-Close | No |
| XXXX | XXXX | 103 | Base |  | Closed | 2024-02-13 14:32 | 2025-02-19 22:55 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025 <br>Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Compliance will be re-reviewed upon receipt of the initial CD. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/13/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1431052 | Investor Post-Close | No |
| XXXX | XXXX | 103 | Base |  | Closed | 2024-02-13 14:32 | 2025-02-19 22:55 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Compliance will be re-reviewed upon receipt of the initial CD. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/13/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1431053 | Investor Post-Close | No |
| XXXX | XXXX | 103 | Base |  | Closed | 2024-02-13 14:32 | 2025-02-19 22:55 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-The total amount of the 10% category fees ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees - Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Compliance will be re-reviewed upon receipt of the initial CD. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/13/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1431050 | Investor Post-Close | No |
| XXXX | XXXX | 103 | Base |  | Closed | 2024-02-13 14:32 | 2025-02-19 22:54 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($X,XXX.XX) has increased by more than 10% over the current baseline value of ($X,XXX.XX). The total amount of fees in the 10% category cannot exceed ($X,XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees - Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Compliance will be re-reviewed upon receipt of the initial CD. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/13/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1431049 | Investor Post-Close | No |
| XXXX | XXXX | 103 | Base |  | Closed | 2024-02-13 14:04 | 2025-02-19 22:54 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | TILA: NORTC Missing for one or more borrowers/vested parties | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-TILA: NORTC Missing for one or more borrowers/vested parties . This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/13/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1430944 | Investor Post-Close | No |
| XXXX | XXXX | 103 | Base |  | Closed | 2024-02-13 14:45 | 2024-03-05 13:19 | Resolved | 1 - Information | Compliance | Disclosure | HPA PMI Disclosure, Borrower, Required - Missing or Incomplete | Resolved-Notice Concerning PMI received. Condition Resolved. - Due Diligence Vendor-03/01/2024 <br> Ready for Review-Document Uploaded. 3/1/24 providing notice concerning PMI. XX - Buyer-03/01/2024 <br> Open-HPA PMI Disclosure, Borrower, Required - Missing or Incomplete - Due Diligence Vendor-02/13/2024 |  | Resolved-Notice Concerning PMI received. Condition Resolved. - Due Diligence Vendor-03/01/2024<br>| XXXXXXXXX_PMI.pdf |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1431122 | N/A | N/A |
| XXXX | XXXX | 101 | Base |  | Closed | 2024-02-13 18:10 | 2025-02-19 22:57 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Acknowledged-This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Rate and Term | 1432244 | Investor Post-Close | No |
| XXXX | XXXX | 101 | Base |  | Closed | 2024-02-13 18:10 | 2025-02-19 22:57 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Acknowledged-This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Rate and Term | 1432246 | Investor Post-Close | No |
| XXXX | XXXX | 94 | Base |  | Closed | 2024-02-13 18:44 | 2024-02-21 16:19 | Resolved | 1 - Information | Compliance | Missing Doc | FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete | Resolved-Document Uploaded. FACTA disclosure provided. Condition cleared. - Due Diligence Vendor-02/21/2024 <br> Ready for Review-Document Uploaded. 2/20/24-Appeal: Please find the FACTA disclosure for this loan attached. XX - Buyer-02/20/2024 <br> Open-FACTA Notice to Home Loan Applicant & Risk Based Pricing/Credit Score Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/13/2024 |  | Resolved-Document Uploaded. FACTA disclosure provided. Condition cleared. - Due Diligence Vendor-02/21/2024<br>| XXXXXXXXX_FACTA.pdf<br> XXXXXXXXX_FACTA.pdf |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1432452 | N/A | N/A |
| XXXX | XXXX | 93 | Base |  | Closed | 2024-02-15 16:30 | 2024-02-29 14:43 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Document Uploaded. Evidence provided that borrower received initial CD electronically within timing requirement. Condition cleared. - Due Diligence Vendor-02/29/2024 <br> Ready for Review-Document Uploaded. Appeal: Please see attached CD Delivery and e-consent. - Buyer-02/26/2024 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXX. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/15/2024 |  | Resolved-Document Uploaded. Evidence provided that borrower received initial CD electronically within timing requirement. Condition cleared. - Due Diligence Vendor-02/29/2024<br>| XXXXXXXXX CD Delivery .pdf<br> XXXXXXXXX CD Delivery .pdf |  |  | XX | Primary Residence | Purchase | NA | 1437140 | N/A | N/A |
| XXXX | XXXX | 89 | Base |  | Closed | 2024-02-13 22:25 | 2024-02-28 19:38 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-Valid COC provided to support decrease in lender credit. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/28/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/28/2024 <br> Ready for Review-Please see response and doc on the other similar exception - Seller-02/28/2024 <br> Counter-Document Uploaded. COC dated 02.13.2020 provided to support decrease in Lender paid portion of processing fee from initial CD dated XX/XX/XXXX to revised CD dated XX/XX/XXXX; however, no COC provided to support decrease in Lender paid portion of processing fee of $XX.XX from revised CD dated XX/XX/XXXX to Lender paid portion of processing fee of $XX.XX on subsequent CDs. Tolerance cure of $X.XX required. Condition remains. - Due Diligence Vendor-02/22/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX.XX). The Last CD shows a total lender credit amount of ($XX.XX). The following fees "lender credits" have decreased below their baseline amounts (Processing Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-02/22/2024 <br> Ready for Review-02/22/2024 Appeal: The subject loan decrease in lender credit was due to the subject property appraising lower than the borrower's estimated value. The subject loan was initially approved at 53% LTV using the borrower estimated value of $XXX,XXX.XX. However, the appraisal determined a lower value, $XXX,XXX.XX which increased the LTV to 64%. The value decrease caused the LTV to go from 53% to 64% which crossed a pricing threshold of 60%, which resulted in a slight pricing change. Attached please find the CD's with XXXX value versus XXXX and Chase notes indicating the need to re-disclose. XX - Seller-02/22/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($XX.XX). The following fees "lender credits" have decreased below their baseline amounts (Processing Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Closing Disclosure dated XX/XX/XXXX, reflects a specific Lender Credit of $X,XXX.XX in Section A. The Final Closing Disclosure reflects a specific Lender Credit of $XX.XX in Section A. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2024 | Ready for Review-Please see response and doc on the other similar exception - Seller-02/28/2024 <br> Ready for Review-02/22/2024 Appeal: The subject loan decrease in lender credit was due to the subject property appraising lower than the borrower's estimated value. The subject loan was initially approved at 53% LTV using the borrower estimated value of $XXX,XXX.XX. However, the appraisal determined a lower value, $XXX,XXX.XX which increased the LTV to 64%. The value decrease caused the LTV to go from 53% to 64% which crossed a pricing threshold of 60%, which resulted in a slight pricing change. Attached please find the CD's with XXXX value versus XXXX and XXXXX notes indicating the need to re-disclose. XX - Seller-02/22/2024<br>| Resolved-Valid COC provided to support decrease in lender credit. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/28/2024<br>| XXXXXXXXX_CD v2.pdf<br> XXXXXXXXX_Redisclose notes.pdf<br> XXXXXXXXX_CD v1.pdf<br> XXXXXXXXX CIC change in loan amount on Revised CD 3.pdf |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1433195 | N/A | N/A |
| XXXX | XXXX | 89 | Base |  | Closed | 2024-02-13 22:25 | 2024-02-28 19:37 | Resolved | 1 - Information | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001261) | Resolved-Valid COC provided to support decrease in lender credit. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/28/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/28/2024 <br> Ready for Review-Document Uploaded. Appeal: Please see attached CIC for loan amount decrease which had a corresponding impact to premium pricing credit. - Seller-02/28/2024 <br> Counter-COC dated XX/XX/XXXX provided to support decrease in Lender paid portion of processing fee from initial CD dated XX/XX/XXXX to revised CD dated XX/XX/XXXX; however, no COC provided to support decrease in Lender paid portion of processing fee of $XX.XX from revised CD dated XX/XX/XXXX to Lender paid portion of processing fee of $XX.XX on subsequent CDs. Tolerance cure of $X.XX required. Condition remains. - Due Diligence Vendor-02/22/2024 <br> Counter-Document Uploaded. - Due Diligence Vendor-02/22/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($XX.XX). The actual total fee amount shows a credit amount of ($XX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (Processing Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). - Due Diligence Vendor-02/22/2024 <br> Ready for Review-02/22/2024 Appeal: The subject loan decrease in lender credit was due to the subject property appraising lower than the borrower's estimated value. The subject loan was initially approved at 53% LTV using the borrower estimated value of $XXX,XXX.XX. However, the appraisal determined a lower value, $XXX,XXX.XX which increased the LTV to 64%. The value decrease caused the LTV to go from 53% to 64% which crossed a pricing threshold of 60%, which resulted in a slight pricing change. Attached please find the CD's with XXXX value versus XXXX and Chase notes indicating the need to re-disclose. XX - Buyer-02/22/2024 <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($XX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (Processing Fee). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated XX/XX/XXX, reflects a general Lender Credit of $X,XXX.XX in Section J. The Final Closing Disclosure reflects a general Lender Credit of $0 in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2024 | Ready for Review-Document Uploaded. Appeal: Please see attached CIC for loan amount decrease which had a corresponding impact to premium pricing credit. - Seller-02/28/2024<br>| Resolved-Valid COC provided to support decrease in lender credit. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/28/2024<br>| XXXXXXXXX_CD v1.pdf<br> XXXXXXXXX_CD v2.pdf<br> XXXXXXXXX_Redisclose notes.pdf<br> XXXXXXXXX CIC change in loan amount on Revised CD 3.pdf<br> XXXXXXXXX CIC change in loan amount on Revised CD 3.pdf |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1433196 | N/A | N/A |
| XXXX | XXXX | 64 | Base |  | Closed | 2024-02-16 14:15 | 2024-02-22 18:23 | Resolved | 1 - Information | Credit | Missing Doc | Mortgage Insurance Cert Missing | Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided or Mortgage Insurance is not Present - Due Diligence Vendor-02/22/2024 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-02/22/2024 <br>Ready for Review-Document Uploaded. Appeal: Attached please find the subject loan PMI Certificate. Apologies, it appears the PMI certs were not saved as pdf's that could transfer to OPUS's system. Thank you, - Buyer-02/22/2024 <br>Open-Mortgage Insurance is Present but Mortgage Insurance Cert is missing Missing mortgage insurance certificate. - Due Diligence Vendor-02/16/2024 |  | Resolved-Mortgage Insurance is Present and Mortgage Insurance Cert has been provided or Mortgage Insurance is not Present - Due Diligence Vendor-02/22/2024<br>| XXXXXXXXX_MI Cert.pdf<br> XXXXXXXXX_MI Cert.pdf |  |  | XX | Primary Residence | Purchase | NA | 1439308 | N/A | N/A |
| XXXX | XXXX | 54 | Base |  | Closed | 2024-02-19 17:22 | 2024-02-28 20:17 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Lender rebuttal reviewed. No tolerance cure required for increase in appraisal fee from expired LE. Condition cleared. - Due Diligence Vendor-02/28/2024 <br> Ready for Review-2/27/2024: Appeal. The LE referenced version 2 dated XX/XX/XXXX expired on XX/XX/XXXX. The borrower allowed the LE to expire until XX/XX/XXXX, at that time, new charges and fees were re-disclosed, specifically appraisal report increased to $XXX; LE version 3 was sent on XX/XX/XXXX. XX - Buyer-02/27/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Loan Estimate dated XX/XX/XXXX reflects an Appraisal fee of $350. Final CD dated XX/XX/XXXX reflects an Appraisal fee of $570. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/19/2024 |  | Resolved-Lender rebuttal reviewed. No tolerance cure required for increase in appraisal fee from expired LE. Condition cleared. - Due Diligence Vendor-02/28/2024<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1442392 | N/A | N/A |
| XXXX | XXXX | 54 | Base |  | Closed | 2024-02-19 17:22 | 2024-02-28 20:16 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Lender rebuttal reviewed. No tolerance cure required for increase in appraisal fee from expired LE. Condition cleared. - Due Diligence Vendor-02/28/2024 <br> Ready for Review-2/27/2024: Appeal. The LE referenced version 2 dated XX/XX/XXXX expired on XX/XX/XXXX. The borrower allowed the LE to expire until XX/XX/XXXX, at that time, new charges and fees were re-disclosed, specifically appraisal report increased to $XXX; LE version 3 was sent on XX/XX/XXXX. XX - Buyer-02/27/2024 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Loan Estimate dated XX/XX/XXXX reflects an Appraisal fee of $350. Final CD dated XX/XX/XXXX reflects an Appraisal fee of $570. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/19/2024 |  | Resolved-Lender rebuttal reviewed. No tolerance cure required for increase in appraisal fee from expired LE. Condition cleared. - Due Diligence Vendor-02/28/2024<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1442391 | N/A | N/A |
| XXXX | XXXX | 49 | Base |  | Closed | 2024-02-16 14:02 | 2024-02-27 12:15 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Document Uploaded. Document Uploaded. Valid COC provided to support fee increase. Compliance re-tested and passed. Condition cleared. - Due Diligence Vendor-02/27/2024 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The Appraisal Update increased on the CD dated XX/XX/XXXX without a valid COC. No Cure. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2024 |  | Resolved-Document Uploaded. Document Uploaded. Valid COC provided to support fee increase. Compliance re-tested and passed. Condition cleared. - Due Diligence Vendor-02/27/2024<br>| XXXXXXXXX_CD and LE.pdf<br> XXXXXXXXX_Re-Disclose Appraisal.pdf |  |  | XX | Primary Residence | Refinance | Rate and Term | 1439263 | N/A | N/A |
| XXXX | XXXX | 49 | Base |  | Closed | 2024-02-16 14:02 | 2024-02-27 12:14 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Document Uploaded. Valid COC provided to support fee increase. Compliance re-tested and passed. Condition cleared. - Due Diligence Vendor-02/27/2024 <br> Ready for Review-Document Uploaded. Appeal: Attached please find the subject loan initial LE showing the closing costs estimated expired XX/XX/XXXX. The initial appraisal was completed effective XX/XX/XXXX, with an update required and completed XX/XX/XXXX. The CD was delivered to borrower XX/XX/XXXX with updated appraisal cost of $225. Chase screenshot is also attached confirming the re-disclosure issue. - Buyer-02/23/2024 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The CD, dated XX/XX/XXXX, reflects a Appraisal Update of $225.00 that was not disclosed on the Initial Loan Estimate. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. Tolerance cure of $XXX.XX to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2024 |  | Resolved-Document Uploaded. Valid COC provided to support fee increase. Compliance re-tested and passed. Condition cleared. - Due Diligence Vendor-02/27/2024<br>| XXXXXXXXX_Re-Disclose Appraisal.pdf<br> XXXXXXXXX_CD and LE.pdf<br> XXXXXXXXX_CD and LE.pdf<br> XXXXXXXXX_Re-Disclose Appraisal.pdf |  |  | XX | Primary Residence | Refinance | Rate and Term | 1439262 | N/A | N/A |
| XXXX | XXXX | 42 | Base |  | Closed | 2024-02-21 20:36 | 2024-02-28 18:45 | Resolved | 1 - Information | Compliance | Fees:Limited | North Carolina - Fees Limitation | Resolved-Document Uploaded. Evidence of undiscounted rate provided. Compliance re-tested and passed. Condition cleared. - Due Diligence Vendor-02/28/2024 <br> Ready for Review-Document Uploaded. Appeal: Please see attached undiscounted rate history screen. - Buyer-02/27/2024 <br> Counter-All discount points charged included in testing since undiscounted rate was not documented in file. Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/27/2024 <br> Ready for Review-Appeal: Please advise if you are looking for the Undiscounted Rate to exclude points as they are listed as authorized per statute. - Buyer-02/23/2024 <br> Open-Under the XXXXX XXXXXXXX Interest Provisions, Lender fees not specifically authorized by the statute are limited to ($XXX.XX), which is the greater of 1/4 of 1% of the loan amount or $XXX. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($X,XXX.XX). (N.C. Gen. Stat. 24-1.1A(c)(1); 24-8(d); 24-10(d)) - Due Diligence Vendor-02/21/2024 |  | Resolved-Document Uploaded. Evidence of undiscounted rate provided. Compliance re-tested and passed. Condition cleared. - Due Diligence Vendor-02/28/2024<br>| XXXXXXXXX Undiscounted Rate History.pdf<br> XXXXXXXXX Undiscounted Rate History.pdf |  |  | XX | Primary Residence | Purchase | NA | 1447019 | N/A | N/A |
| XXXX | XXXX | 39 | Base |  | Closed | 2024-02-21 16:08 | 2025-02-19 23:00 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001257) | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-03/06/2024 <br> Ready for Review-Appeal: Please review for SOL EVB. - Seller-03/06/2024 <br> Open-The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees - Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The total amount of the 10% category fees ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/21/2024 | Ready for Review-Appeal: Please review for SOL EVB. - Seller-03/06/2024<br>| Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Rate and Term | 1446172 | Investor Post-Close | No |
| XXXX | XXXX | 39 | Base |  | Closed | 2024-02-21 16:08 | 2025-02-19 23:00 | Acknowledged | 2 - Non-Material | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test (50001258) | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025 <br> Open-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-03/06/2024 <br> Ready for Review-Appeal: Please review for SOL EVB. - Buyer-03/06/2024 <br> Open-The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees - Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). The total amount of the 10% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than 10% over the current baseline value of ($XXX.XX). The total amount of fees in the 10% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/21/2024 |  | Acknowledged-This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Rate and Term | 1446170 | Investor Post-Close | No |
| XXXX | XXXX | 39 | Base |  | Closed | 2024-02-21 16:08 | 2024-03-05 22:23 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Document Uploaded. - Due Diligence Vendor-03/05/2024 <br> Resolved-Evidence provided that signing fee was for notary purpose only and not considered PPFC. No finance charge violation. Condition cleared. - Due Diligence Vendor-03/05/2024 <br> Ready for Review-Appeal – See the Notary Confirmation detail added to the shared folder. The Notary detail confirms that the 125.00 fee is for a Notary, thus was not included. The Notary was provided by the company Signature Closers as the fee payee on the final CD. - Seller-03/05/2024 <br> Open-The disclosed finance charge ($XX,XXX.XX) is ($XXX.XX) below the actual finance charge($XX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1). The lender appears to not have included the Title-Title Signing Fees of $125 in Section C. - Due Diligence Vendor-02/21/2024 | Ready for Review-Appeal – See the Notary Confirmation detail added to the shared folder. The Notary detail confirms that the XXX.XX fee is for a Notary, thus was not included. The Notary was provided by the company Signature Closers as the fee payee on the final CD. - Seller-03/05/2024<br>| Resolved-Document Uploaded. - Due Diligence Vendor-03/05/2024 <br>Resolved-Evidence provided that signing fee was for notary purpose only and not considered PPFC. No finance charge violation. Condition cleared. - Due Diligence Vendor-03/05/2024<br>| XXXXXXXXX_Notary Signing Agent Confirmation.pdf |  |  | XX | Primary Residence | Refinance | Rate and Term | 1446171 | N/A | N/A |
| XXXX | XXXX | 35 | Base |  | Closed | 2024-02-20 19:45 | 2025-02-19 23:01 | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after 7/5/2018 (non-material jurisdictions) | Acknowledged-B-exception grade for circuits in which there is no ruling. - Due Diligence Vendor-02/19/2025 <br> Open-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) B-exception grade for circuits in which there is no ruling. - Due Diligence Vendor-02/20/2024 |  | Acknowledged-B-exception grade for circuits in which there is no ruling. - Due Diligence Vendor-02/19/2025<br>|  |  |  | XX | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | 1444763 | Investor Post-Close | No |
| XXXX | XXXX | 34 | Base |  | Closed | 2024-02-19 11:24 | 2024-02-27 11:33 | Resolved | 1 - Information | Compliance | TRID | Initial Closing Disclosure timing requirement not met | Resolved-Document Uploaded. Initial LEs and initial CD provided. Compliance tested and passed. Condition cleared. - Due Diligence Vendor-02/27/2024 <br> Ready for Review-Document Uploaded. 2/23/24 - Appeal: see attached copy of the Initial Closing Disclosure dated XX/XX/XXXX for review…XX<br> - Buyer-02/23/2024 <br> Open-The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt. The loan file only contains final CD, dated XX/XX/XXXX, received by the borrower at consummation. Please provide full disclosure history. Compliance will be tested upon receipt. Additional conditions may apply. - Due Diligence Vendor-02/19/2024 |  | Resolved-Document Uploaded. Initial LEs and initial CD provided. Compliance tested and passed. Condition cleared. - Due Diligence Vendor-02/27/2024<br>| XXXXXXXXX_Initial CD XX/XX/XXXX.pdf<br> XXXXXXXXX_Initial CD XX/XX/XXXX.pdf<br> XXXXXXXXX_Initial LE XX/XX/XXXX.pdf<br> XXXXXXXXX_LE XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1441651 | N/A | N/A |
| XXXX | XXXX | 34 | Base |  | Closed | 2024-02-19 11:23 | 2024-02-27 11:31 | Resolved | 1 - Information | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Resolved-Initial LEs and initial CD provided. Compliance tested and passed. Condition cleared. - Due Diligence Vendor-02/27/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/27/2024 <br> Ready for Review-Document Uploaded. 2/23/24 - Appeal: see attached copies of the Loan Estimates dated XX/XX/XXXX and XX/XX/XXX for review…XX<br> - Buyer-02/23/2024 <br> Open-Loan Estimate disclosure is missing or incomplete The loan file is missing initial LE and all subsequent LES. Please provide full disclosure history. Compliance will be tested upon receipt. Additional conditions may apply. - Due Diligence Vendor-02/19/2024 |  | Resolved-Initial LEs and initial CD provided. Compliance tested and passed. Condition cleared. - Due Diligence Vendor-02/27/2024<br>| XXXXXXXXX_Initial LE XX/XX/XXXX.pdf<br> XXXXXXXXX_LE XX/XX/XXXX.pdf<br> XXXXXXXXX_Initial LE XX/XX/XXXX.pdf<br> XXXXXXXXX_Initial CD XX/XX/XXXX.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1441648 | N/A | N/A |
| XXXX | XXXX | 30 | Base |  | Closed | 2024-02-19 17:12 | 2024-02-29 15:22 | Resolved | 1 - Information | Compliance | Missing Doc | Final Closing Disclosure is missing or incomplete | Resolved-Document Uploaded. Final CD provided. Condition cleared. - Due Diligence Vendor-02/29/2024 <br> Ready for Review-Document Uploaded. 2/28/24 - Appeal: see attached copy of the complete Final CD for review…XX<br> - Buyer-02/28/2024 <br> Open-Final Closing Disclosure is missing or incomplete Loan closed in dry funding state. The Post Close CD with charges reflected in final settlement statement is missing from the loan file. Additional conditions may apply. <br> - Due Diligence Vendor-02/19/2024 |  | Resolved-Document Uploaded. Final CD provided. Condition cleared. - Due Diligence Vendor-02/29/2024<br>| XXXXXXXXX_Final CD.pdf<br> XXXXXXXXX_Final CD.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1442355 | N/A | N/A |
| XXXX | XXXX | 9 | Base |  | Closed | 2024-03-05 15:37 | 2024-03-07 17:51 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Document Uploaded. Evidence provided that borrower received initial CD electronically to meet timing requirement. Condition cleared. - Due Diligence Vendor-03/07/2024 <br> Ready for Review-Appeal – See the CD Receipt verification added to the shared folder confirming viewed / received by the borrower XX/XX/XXXX. - Seller-03/07/2024 <br> Open- - Due Diligence Vendor-03/05/2024 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (ElectronicDelivery). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) - Due Diligence Vendor-03/05/2024 | Ready for Review-Appeal – See the CD Receipt verification added to the shared folder confirming viewed / received by the borrower XX/XX/XXXX. - Seller-03/07/2024<br>| Resolved-Document Uploaded. Evidence provided that borrower received initial CD electronically to meet timing requirement. Condition cleared. - Due Diligence Vendor-03/07/2024<br>| XXXXXXXXX_CD Delivery Receipt.pdf |  |  | XX | Primary Residence | Purchase | NA | 1471635 | N/A | N/A |
| XXXX | XXXX | 9 | Base |  | Closed | 2024-03-05 15:37 | 2024-03-07 17:50 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Document Uploaded. Itemization of lender credit provided. Compliance re-tested and passed. Condition cleared. - Due Diligence Vendor-03/07/2024 <br> Ready for Review-Appeal – See the Lender Credit Itemization added to the shared folder. - Seller-03/07/2024 <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) A general Lender Credit was listed on the final CD but cannot be used to offset the under-disclosure due to a missing an itemization of the credit. Provide itemization of general lender credit. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-03/05/2024 <br> Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) - Due Diligence Vendor-03/05/2024 | Ready for Review-Appeal – See the Lender Credit Itemization added to the shared folder. - Seller-03/07/2024<br>| Resolved-Document Uploaded. Itemization of lender credit provided. Compliance re-tested and passed. Condition cleared. - Due Diligence Vendor-03/07/2024<br>| XXXXXXXXX_Itemization of Lender Credit.pdf |  |  | XX | Primary Residence | Purchase | NA | 1471634 | N/A | N/A |
| XXXX | XXXX | 9 | Base |  | Closed | 2024-02-20 12:10 | 2024-03-05 15:49 | Resolved | 1 - Information | Compliance | TRID | Initial Closing Disclosure timing requirement not met | Resolved-Initial CD dated 08/17/2017. Condition cleared. Compliance tested and additional findings cited. - Due Diligence Vendor-03/05/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-03/05/2024 <br> Ready for Review-Document Uploaded. 3-4-24 APPEAL, Providing the Initial CD. XXX - Seller-03/04/2024 <br> Open-The initial CD is missing from the loan file. Compliance will be re-reviewed upon receipt. Initial CD is missing in file - Due Diligence Vendor-02/20/2024 | Ready for Review-Document Uploaded. 3-4-24 APPEAL, Providing the Initial CD. XX - Seller-03/04/2024<br>| Resolved-Initial CD dated XX/XX/XXXX. Condition cleared. Compliance tested and additional findings cited. - Due Diligence Vendor-03/05/2024<br>| XXXXXXXXX_Initial CD.pdf<br> XXXXXXXXX_Initial CD.pdf |  |  | XX | Primary Residence | Purchase | NA | 1443398 | N/A | N/A |
| XXXX | XXXX | 9 | Base |  | Closed | 2024-02-20 12:11 | 2024-02-26 22:25 | Resolved | 1 - Information | Compliance | TRID | TRID: Initial Loan Estimate not provided within 3 days of application | Resolved-Initial LE provided dated with 3 days of application. Condition cleared. - Due Diligence Vendor-02/26/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/26/2024 <br> Ready for Review-Document Uploaded. Appeal - Providing the initial LE. XX - Seller-02/22/2024 <br> Open-The loan file is missing initial LE and all subsequent LEs. Please provide full disclosure history. Compliance will be tested upon receipt. Additional conditions may apply. - Due Diligence Vendor-02/20/2024 | Ready for Review-Document Uploaded. Appeal - Providing the initial LE. XX - Seller-02/22/2024<br>| Resolved-Initial LE provided dated with 3 days of application. Condition cleared. - Due Diligence Vendor-02/26/2024<br>| XXXXXXXXX_LE.pdf<br> XXXXXXXXX_LE.pdf |  |  | XX | Primary Residence | Purchase | NA | 1443399 | N/A | N/A |
| XXXX | XXXX | 4 | Base |  | Closed | 2024-02-19 19:26 | 2024-03-01 19:01 | Resolved | 1 - Information | Compliance | Missing Doc | Loan Estimate disclosure is missing or incomplete | Resolved-Lender provided a copy of the initial Loan Estimate (LE) with evidence said document was provided to borrower via disclosure history. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-03/01/2024 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-03/01/2024 <br>Ready for Review-Appeal – See the attached LE's, ver 1 and 2 with disclosure history located in the shared folder. - Buyer-03/01/2024 <br>Open-Loan Estimate disclosure is missing or incomplete The loan file is missing initial LE and all subsequent LEs. Please provide full disclosure history. Compliance will be tested upon receipt. Additional conditions may apply. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/20/2024 |  | Resolved-Lender provided a copy of the initial Loan Estimate (LE) with evidence said document was provided to borrower via disclosure history. Documentation submitted is deemed acceptable. Condition cleared. - Due Diligence Vendor-03/01/2024<br>| XXXXXXXXX_Appeal Docs.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 1442683 | N/A | N/A |
| XXXX | XXXX | 2 | Base |  | Closed | 2024-02-12 12:14 | 2024-02-29 16:01 | Resolved | 1 - Information | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Document Uploaded. Itemization of lender credit provided. Condition cleared. - Due Diligence Vendor-02/29/2024 <br> Ready for Review-Please see XXXXX system screenshot showing that the Lender Credit was applied to XX Attorney Fee. Saved in FTP/TO_SEND folder. - Buyer-02/20/2024 <br> Open-The disclosed finance charge ($XX,XXX.XX) is ($XXX.XX) below the actual finance charge($XX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) A general Lender Credit was listed on the final CD but cannot be used to offset the under-disclosure due to a missing an itemization of the credit. Provide itemization of general lender credit. Additional conditions may apply.<br> This finding is outside the statute of limitations and will be rated an EVB. - Due Diligence Vendor-02/12/2024 |  | Resolved-Document Uploaded. Itemization of lender credit provided. Condition cleared. - Due Diligence Vendor-02/29/2024<br>| XXXXXXXXX_Lender paid fees.pdf |  |  | XX | Primary Residence | Refinance | Rate and Term | 1428120 | N/A | N/A |
| XXXX | XXXX | 2 | Base |  | Closed | 2024-02-12 12:14 | 2024-02-21 17:11 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Evidence that borrower received initial CD electronically within timing requirement provided. Condition cleared. - Due Diligence Vendor-02/21/2024 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/21/2024 <br> Ready for Review-The Initial CD as demonstrated on the attached, was prepared on XX/XX/XXX. The issue date of XX/XX/XXXX is the default date when the CD is prepared after hours on the 25th . Please also see the additional attachment which documents the electronic delivery of the CD to the borrower on XX/XX/XXXX. FTP/TO_SEND folder. - Buyer-02/20/2024 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation. No Cure.<br> This finding is outside the statute of limitations and will be rated an EVB. - Due Diligence Vendor-02/12/2024 |  | Resolved-Evidence that borrower received initial CD electronically within timing requirement provided. Condition cleared. - Due Diligence Vendor-02/21/2024<br>| XXXXXXXXX_Initial CD.pdf<br> XXXXXXXXX_Proof of Delivery.pdf |  |  | XX | Primary Residence | Refinance | Rate and Term | 1428121 | N/A | N/A |

---

## Exhibit 99.2

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **FK Loan ID** | **Loan ID** | **Alt Loan ID** | **Base/Upsize** | **Investor Loan ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 134 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.72 | 49.80 | 1008 DTI 49.80%. DTI difference is less than 1% and within lender tolerance.  |
| XXXX | XXXX | 133 | Base |  | Final Qualifying Property Value | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 133 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.54 | 39.55 | Rounding  |
| XXXX | XXXX | 130 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 128 | Base |  | Final Qualifying Property Value | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 124 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of 1st lien $XXX,XXX / Value of $XXX,XXX. |
| XXXX | XXXX | 124 | Base |  | Final Qualifying Property Value | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Appraisal. |
| XXXX | XXXX | 124 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.87 | 39.86 | 1008 DTI 39.869%. Rounding. Audit liabilities were based on documents in the loan file. |
| XXXX | XXXX | 122 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Rounding  |
| XXXX | XXXX | 28 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of 1st liens of $XXX,XXX / purchase of $XXX,XXX |
| XXXX | XXXX | 28 | Base |  | Final Qualifying Property Value | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Appraisal. |
| XXXX | XXXX | 28 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.68 | 37.13 | Audit reflects difference in subject property taxes per documents in the loan file. |
| XXXX | XXXX | 23 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of 1st XXXXX.XX / Value of $XXXXXX.XX |
| XXXX | XXXX | 23 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.7 | 39.89 | DTI difference is less than 1% and within lender tolerance.  |
| XXXX | XXXX | 15 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of $XXX,XXX / Value of $XXX,XXX.XX = 44.20% |
| XXXX | XXXX | 14 | Base |  | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from documents located in the loan file. |
| XXXX | XXXX | 14 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.76 | 27.80 | DTI difference is less than 1% and within lender tolerance.  |
| XXXX | XXXX | 13 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.04 | 38.06 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |
| XXXX | XXXX | 1 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.02 | 42.31 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX | XXXX | 157 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 154 | Base |  | Property Zip Code | notePage | XXXXX | XXXXX | Audit Value Pulled From Note. |
| XXXX | XXXX | 141 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 141 | Base |  | Final Qualifying Property Value | diligenceFinalLookPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Sales Contract/Final CD. |
| XXXX | XXXX | 140 | Base |  | Application Date | complianceOnlyDataPage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from documents located in the loan file. |
| XXXX | XXXX | 140 | Base |  | Property Type | complianceOnlyDataPage | Single Family Attached | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | XXXX | 136 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 119 | Base |  | Final Qualifying Property Value | diligenceFinalLookPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 113 | Base |  | Balloon Flag | notePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXX | XXXX | 104 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 86 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 74 | Base |  | Interest Rate | notePage | 4.0 | 3.8750 | Audit Value Pulled From Note. |
| XXXX | XXXX | 74 | Base |  | Final Qualifying Property Value | diligenceFinalLookPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 68 | Base |  | Qualifying LTV | complianceOnlyDataPage | 41 | 46.00 | Audit Value of 1st $XXXXXX.XX / Value of $XXXXXX.XX |
| XXXX | XXXX | 67 | Base |  | Final Qualifying Property Value | diligenceFinalLookPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 66 | Base |  | Balloon Flag | notePage | No | Yes | Audit value pulled from documents located in the loan file. |
| XXXX | XXXX | 29 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of $XXXXX/ Value of $XXXXXX. |
| XXXX | XXXX | 132 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.21 | 45.14 | 1008 DTI 45.173%. DTI difference is less than 1% and within lender tolerance. |
| XXXX | XXXX | 131 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of XXX,XXX / Value of $XXX,XXX.XX = 71.81% |
| XXXX | XXXX | 127 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.96 | 49.14 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX | XXXX | 126 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 29.74 | 29.67 | Audit reflects difference in subject property taxes per documents in the loan file.  |
| XXXX | XXXX | 125 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.56 | 39.31 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX | XXXX | 78 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | $XXX,XXX/$XXX,XXX |
| XXXX | XXXX | 78 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.71 | 49.72 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX | XXXX | 77 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of 1st lien / Value of $XXX,XXX. |
| XXXX | XXXX | 77 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.75 | 49.74 | 1008 DTI 49.745%. Rouding. |
| XXXX | XXXX | 27 | Base |  | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from Purchase Agreement located in the loan file. |
| XXXX | XXXX | 27 | Base |  | Final Qualifying Property Value | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 27 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.26 | 35.93 | Audit reflects more conservative income based on documents in the loan file. |
| XXXX | XXXX | 26 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of $XXX,XXX/ Value of $XXX,XXX. |
| XXXX | XXXX | 26 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.88 | 39.81 | Audit liabilities were based on documents in the loan file.  |
| XXXX | XXXX | 20 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of 1st lien / Value of Property |
| XXXX | XXXX | 20 | Base |  | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from documents located in the loan file. |
| XXXX | XXXX | 20 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.37 | 39.38 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| XXXX | XXXX | 19 | Base |  | Property Zip Code | notePage | XXXXX | XXXXX | Audit Value Pulled From Note. |
| XXXX | XXXX | 19 | Base |  | Final Qualifying Property Value | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract. |
| XXXX | XXXX | 19 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 21.28 | 21.29 | Rounding. |
| XXXX | XXXX | 18 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of 1st Lien $XXX,XXX.XX/ Value of $XXX,XXX |
| XXXX | XXXX | 18 | Base |  | Application Date | complianceDetailPage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from documents located in the loan file. |
| XXXX | XXXX | 18 | Base |  | Final Qualifying Property Value | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 17 | Base |  | Final Qualifying Property Value | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 12 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 35.73 | 35.57 | 1008 DTI 35.569%. DTI difference is less than 1% and within lender tolerance. |
| XXXX | XXXX | 10 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.67 | 49.16 | 1008 DTI 49.162%. DTI difference is less than 1% and within lender tolerance. |
| XXXX | XXXX | 8 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of 1st lien $XXXXXX and 2nd Lien $XX,XXX Sales price Value of $XXX,XXX. |
| XXXX | XXXX | 8 | Base |  | Final Qualifying Property Value | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Appraisal. |
| XXXX | XXXX | 8 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.61 | 45.45 | DTI difference is less than 1% and within lender tolerance.  |
| XXXX | XXXX | 7 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of $XXX,XXX / Value of $X,XXX,XXX |
| XXXX | XXXX | 5 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of 1st lien $XXX,XXX/ Value of Property $XXX,XXX |
| XXXX | XXXX | 3 | Base |  | Qualifying LTV | propertyValuationPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value of 1st lien / Value of $X,XXX,XXX |
| XXXX | XXXX | 3 | Base |  | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 31.82 | 32.01 | Audit DTI difference is due to liabilities based on documents in loan file.  |
| XXXX | XXXX | 151 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 151 | Base |  | Application Date | complianceOnlyDataPage | XX/XX/XXXX | XX/XX/XXXX | Audit value pulled from documents located in the loan file. |
| XXXX | XXXX | 142 | Base |  | Balloon Flag | notePage | No | Yes | Audit value captured from Note. |
| XXXX | XXXX | 135 | Base |  | Final Qualifying Property Value | diligenceFinalLookPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 118 | Base |  | Final Qualifying Property Value | diligenceFinalLookPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 109 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 109 | Base |  | Final Qualifying Property Value | complianceOnlyDataPage | $XXX,XXX.XX | $XXX,XXX.XX | "Appraised Value Used<br> Audit Value Pulled From Appraisal.<br> Sales Price Used<br> Audit Value Pulled From Purchase Contract / Final CD." |
| XXXX | XXXX | 108 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 108 | Base |  | Final Qualifying Property Value | diligenceFinalLookPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Verified on Purchase Contract / CD / HUD. |
| XXXX | XXXX | 106 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 105 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 102 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 100 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 95 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 90 | Base |  | Property City | notePage | XXXXXX | XXXXXX | Audit value pulled from note |
| XXXX | XXXX | 90 | Base |  | Balloon Flag | notePage | No | Yes | Audit value pulled from AUS/1008 |
| XXXX | XXXX | 84 | Base |  | Balloon Flag | notePage | No | Yes | Audit value pulled from 1008 |
| XXXX | XXXX | 84 | Base |  | Final Qualifying Property Value | complianceOnlyDataPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit value pulled from AUS |
| XXXX | XXXX | 82 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 80 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled from Note. |
| XXXX | XXXX | 80 | Base |  | Application Date | complianceOnlyDataPage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled from Sales Contract. |
| XXXX | XXXX | 72 | Base |  | Balloon Flag | notePage | No | Yes | Audit Value Pulled From Note. |
| XXXX | XXXX | 52 | Base |  | Final Qualifying Property Value | diligenceFinalLookPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Appraisal. |
| XXXX | XXXX | 50 | Base |  | Final Qualifying Property Value | complianceOnlyDataPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From Purchase Contract / Final CD. |
| XXXX | XXXX | 34 | Base |  | First Payment Date | notePage | XX/XX/XXXX | XX/XX/XXXX | Audit Value Pulled From Note. |
| XXXX | XXXX | 9 | Base |  | Final Qualifying Property Value | diligenceFinalLookPage | $XXX,XXX.XX | $XXX,XXX.XX | Audit Value Pulled From sales Contract  |

---

## Exhibit 99.3

![](logo_westcor.jpg)

To Whom It May Concern:

Westcor Land Title Insurance Company was engaged by FirstKey Mortgage, LLC (the "Client") as diligence agent to review title reports for a population of 952 mortgage loans and 24 co-op share loans. With respect to these 952 mortgage loans and 24 co-op share loans:

<br> 1. As set forth in the title reports, the subject mortgage is recorded in the appropriate recording jurisdiction, with the exception of:

<br> a. 24 co-op share loans for which, in lieu of a subject mortgage, a UCC1 or Deed of Trust is filed in the appropriate recording jurisdiction.

<br> 2. As set forth in the title report for the 976 assets reported by the Client to be in a 1<sup>st</sup> lien position, the subject mortgage is in 1<sup>st</sup> lien position and recorded in the appropriate jurisdiction, with the exception of:

<br> a. 24 co-op share loans for which, in lieu of a subject mortgage, a UCC1 or Deed of Trust is filed in the appropriate recording jurisdiction.

<br> b. 96 first lien mortgage loans for which a clean title policy was issued which did not take exception to the prior liens/judgments.

c. 3 mortgage loans for which a clean title policy was issued which did not take exception to prior liens/judgments, but for which potentially superior post origination liens/judgments were found of record. For those mortgage loans, the total amount of such potentially superior post origination recorded liens/judgments is $1,752.37. For the purposes of identifying potentially superior post-origination HOA liens which may not be enforceable due to statutory limitations, the Client provided a reference citing applicable state statutes. Westcor has confirmed that the state statutes referenced by Client are current statutes. Westcor has applied the effective dates and statutes of limitations referenced by Client without making a legal determination as to the rights or priorities of a potential lender, investor, or purchaser of interests in real estate and the total amount of such potentially superior post origination recorded liens/judgments is $1,752.37.

d. 7 mortgage loans for which potentially superior post origination liens/judgments were found of record. For those mortgage loans, the total amount of such potentially superior post origination recorded liens/judgments is $19,921.59. For the purposes of identifying those potentially superior post-origination HOA liens which may not be enforceable due to statutory limitations, the Client provided a reference citing applicable state statutes. Westcor has confirmed that the state statutes referenced by Client are current statutes. Westcor has applied the effective dates and statutes of limitations referenced by Client without making a legal determination as to the rights or priorities of a potential lender, investor, or purchaser of interests in real estate and the total amount of such potentially superior post origination recorded liens/judgments is $19,921.59.

Thank You,

Westcor Land Title Insurance Company

401 Plymouth Road, Suite 500, Plymouth Meeting, PA 19462

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Base/Upsize** | **State** | **Lien Position** | **Judgments Before Target** | **Total Judgments Before Lien** | **Superlien State** | **HOA Superlien** | **HOA Amount** | **HOA Superliens with Consideration for Effective Dates and SOL** | **HOA Superlien Amount** | **Muni Lien** | **Muni Amount** | **TPOL Reviewed** | **Exception to Judgment Ahead of Lien or Prior Mtg** | **Notes** |
| 4 | Base | WA | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 8 | Base | FL | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 9 | Base | NC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 10 | Base | NC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 12 | Base | MD | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 13 | Base | MD | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 14 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 17 | Base | CT | 1st | No | n/a | Yes | No | n/a | n/a | n/a | Y-1-11 | $XXX | n/a | n/a | n/a |
| 18 | Base | IL | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 22 | Base | FL | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 23 | Base | NJ | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 25 | Base | SC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 31 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 33 | Base | DE | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 39 | Base | NC | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 40 | Base | MO | 2nd | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 42 | Base | OH | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 43 | Base | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 44 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 46 | Base | MD | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 47 | Base | NC | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 48 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 66 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 73 | Base | WA | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 78 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 79 | Base | NY | 2nd | No | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 84 | Base | TX | 1st | None Reported | n/a | No | n/a | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 86 | Base | MD | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 87 | Base | GA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 90 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 92 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 93 | Base | KY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 94 | Base | PA | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 96 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 99 | Base | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 100 | Base | FL | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 103 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 104 | Base | CA | 2nd | No | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 106 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 107 | Base | KY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 108 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 109 | Base | NJ | 2nd | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 110 | Base | MA | 1st | No | n/a | Yes | No | n/a | n/a | n/a | Y-2 | $XXX | n/a | n/a | n/a |
| 111 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 112 | Base | NY | 2nd (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-3rd |
| 114 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 122 | Base | CT | 2nd | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 123 | Base | GA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 124 | Base | MS | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 125 | Base | IN | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 132 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-3rd |
| 133 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-3rd |
| 134 | Base | GA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 135 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-3rd |
| 136 | Base | WA | 2nd | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 137 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 139 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 141 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 143 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 146 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 147 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 148 | Base | CA | 1st | Y-1 | Unknown | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 149 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 150 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 151 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 152 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 153 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 155 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 160 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 162 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 165 | Base | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 167 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 168 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 169 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 171 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 172 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 173 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 176 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 177 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 179 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 181 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 187 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 190 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 191 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 192 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 194 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 195 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 196 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 197 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 199 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 202 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 205 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 206 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 207 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | Y-1,2 | $XXX | n/a | n/a | Muni 1,2 CA Facilities lien paid thru taxes |
| 211 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 215 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 216 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 219 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 223 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 224 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 225 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 226 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 227 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 232 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 233 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 234 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 236 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 237 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 239 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 241 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 242 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 243 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 244 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 245 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 247 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 248 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 250 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 251 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 254 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 255 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 257 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 258 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | Y-1 | $XXX | n/a | n/a | Muni 1 CA Facilities lien paid thru taxes |
| 260 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 262 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 266 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 267 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 268 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 271 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 272 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 274 | Base | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 275 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 278 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 279 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 281 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 288 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 289 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 290 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 293 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 294 | Base | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 295 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 296 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 297 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 298 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 301 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 303 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 304 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 305 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 306 | Base | CA | 1st | Y-1 | NOT STATED | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 307 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 308 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 311 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 312 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | Y-1 | $XXX | n/a | n/a | Muni 1 CA Facilities lien paid thru taxes |
| 313 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 315 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 317 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 323 | Base | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 326 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 328 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 329 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 330 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 331 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 332 | Base | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 333 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 334 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 340 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 342 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 343 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 344 | Base | CA | 2nd | No | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 346 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 347 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 348 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 351 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 352 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 354 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 355 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 356 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 357 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 358 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 360 | Base | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 361 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 363 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 365 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 366 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 367 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 371 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 376 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 379 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 382 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 384 | Base | CA | 1st | Y-1,2 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 386 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 387 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 389 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 390 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 394 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 396 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 400 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 407 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 408 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 409 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 410 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 412 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 414 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 416 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 417 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 418 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 419 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 421 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 423 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 426 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 427 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 428 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 430 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 431 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 435 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 438 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 440 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 441 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | Judg1 CA FACILITIES lien paid thru taxes. |
| 444 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 445 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 446 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 447 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 451 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 452 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 453 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 454 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 455 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 457 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 458 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 459 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 461 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 466 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 470 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 473 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 476 | Base | CA | 3rd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 478 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 480 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 483 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 484 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 486 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 488 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 490 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 491 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 492 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 493 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 497 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 499 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 502 | Base | CA | 1st | Y-1,2,3,4 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 503 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 505 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 506 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 507 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 509 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 511 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 512 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 513 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 514 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 517 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 518 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 519 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 520 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 522 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 523 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 524 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 525 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 526 | Base | CA | 1st | Y-1,2,3,4 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 527 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 531 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 533 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 534 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 535 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 542 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 543 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 544 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 548 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 550 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 553 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 555 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 557 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 560 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | Y-1 | $XXX | n/a | n/a | Muni 1 CA Facilities lien paid thru taxes |
| 561 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 566 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 567 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 568 | Base | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 569 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 570 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 571 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 572 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 574 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 575 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 576 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 577 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 579 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 580 | Base | WA | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 582 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 584 | Base | CA | 1st | Y-1,2 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 585 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 587 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 591 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 592 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 594 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 596 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 598 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 603 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 604 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 605 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 609 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 610 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 611 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 613 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 614 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 615 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 617 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 618 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 623 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 624 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 625 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 626 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 627 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 628 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 631 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 632 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 634 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 636 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 637 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 639 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 640 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 642 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 643 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 644 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 645 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 649 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 650 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 652 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 653 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 654 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 655 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 657 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 659 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 660 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 663 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 666 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 667 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 669 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 670 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 671 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 673 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 676 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 677 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 679 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 687 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 689 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 692 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 695 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 697 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 698 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 699 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 700 | Base | CA | 1st | Y-1,2 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 702 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 704 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 705 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 706 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 708 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 711 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 712 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 713 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 714 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 718 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 721 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 722 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 725 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 729 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 734 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 741 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 743 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 744 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 747 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 748 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 755 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 759 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 760 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 761 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 762 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 764 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 765 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 766 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 768 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 769 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 771 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 772 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 774 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 782 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 783 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 785 | Base | CA | 1st | Y-1 | Unknown | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 786 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 787 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 792 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 795 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 797 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 798 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 799 | Base | CA | 2nd | No | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 803 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 804 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 806 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 811 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 813 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 814 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 818 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 820 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 821 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 824 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 826 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 827 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 830 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 831 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 834 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 840 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 841 | Base | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 844 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 845 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 848 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 851 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 852 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 854 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 855 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 857 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 858 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 862 | Base | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 863 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 864 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 865 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 866 | Base | CA | 1st | Y-1 | UNKNOWN | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 867 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 868 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 869 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 870 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 876 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 877 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 878 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 879 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 880 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 881 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 883 | Base | CA | 1st | Y-1,2,3,4 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 886 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 887 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 888 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 890 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 894 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 897 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 900 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 901 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 902 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 903 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 905 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 906 | Base | CA | 1st | Y-1,2 | Unknown | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 907 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 908 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 910 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 912 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 914 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 915 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 916 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 918 | Base | CA | 1st | Y-1,2 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 919 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 920 | Base | CA | 3rd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 921 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 922 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 924 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 925 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 928 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 929 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 931 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 933 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 934 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 935 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 936 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 937 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 938 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 939 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 940 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 941 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 942 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 943 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 944 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 945 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 946 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 947 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 948 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 949 | Base | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 950 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 953 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 954 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 958 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 959 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 962 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 963 | Base | CA | 1st | Y-1,2 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 964 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 965 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 966 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 967 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 970 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 972 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 974 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 976 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 977 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 978 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 979 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 980 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 983 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 985 | Base | CA | 1st | Y-1,2,3 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 986 | Base | CA | 1st | Y-1,2,3,4,5,6,7 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 988 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 989 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 990 | Base | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 991 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 992 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 997 | Base | CA | 1st | Y-1,2,3,4,5,6,7 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 998 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1000 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1001 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1003 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1004 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1007 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1008 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1011 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1014 | Base | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1016 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1017 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1020 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1021 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1023 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1024 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1025 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1027 | Base | CA | 1st | Y-1,2,3 | Unknown | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1028 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1029 | Base | CA | 3rd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1031 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1032 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1034 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1035 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1036 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1037 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1038 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1042 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1043 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1044 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1046 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1051 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1053 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1055 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1058 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1059 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1060 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1062 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1064 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1066 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1067 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1069 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1070 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1071 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1073 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1076 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1077 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1081 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1083 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1084 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1086 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1088 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1090 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1093 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1096 | Base | CA | 1st | Y-1,2,3 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1098 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1099 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1100 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1102 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1104 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1105 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1109 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1111 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1114 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1116 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1118 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1119 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1120 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1122 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1123 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1128 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1129 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1131 | Base | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1132 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1133 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1135 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1136 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1137 | Base | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1138 | Base | DE | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1139 | Base | NY | 1st (CEMA) | None Reported | n/a | No | n/a | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1140 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1142 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1143 | Base | NY | 1st (CEMA) | Y-1,2 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 1st-2nd |
| 1144 | Base | FL | 2nd | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1145 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1146 | Base | NY | 5th (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 5th-6th |
| 1147 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1148 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1149 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1151 | Base | VA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1153 | Base | NY | 1st (CEMA) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1156 | Base | MD | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1157 | Base | NC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1159 | Base | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1161 | Base | CA | 1st | Y-1,2,3 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1162 | Base | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1164 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1166 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1167 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1168 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1171 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1172 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1174 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1176 | Base | NY | 1st | Y-1,2,3 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1178 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1179 | Base | NY | 1st (CEMA) | Y-1,2,3 | UNKNOWN | No | n/a | n/a | n/a | n/a | Y-4 | $XXX | Yes | No | CEMA: 1st-3rd |
| 1180 | Base | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1181 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1185 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1188 | Base | PA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1190 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1191 | Base | SD | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1192 | Base | CT | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1193 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1194 | Base | OK | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1196 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1197 | Base | PA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1198 | Base | CO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1201 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1202 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1206 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1212 | Base | NY | 1st (CEMA) | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 1st-2nd |
| 1216 | Base | SC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1217 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1218 | Base | GA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1219 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1220 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1222 | Base | NY | 1st | Y-1,2,3,4 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1223 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1227 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1228 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1229 | Base | TX | 1st | Y-1,2 | $XXX | No | No | n/a | n/a | n/a | Y-3 | $XXX | Yes | No | n/a |
| 1231 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1232 | Base | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1233 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1234 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1235 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1236 | Base | TN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1238 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1239 | Base | NY | 2nd (CEMA) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-4th |
| 1240 | Base | AZ | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1241 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1242 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1243 | Base | IA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1244 | Base | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1245 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1248 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1249 | Base | CO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1253 | Base | CO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1254 | Base | OH | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1255 | Base | NJ | CO-OP (UCC1/DOT Recorded) | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1256 | Base | CA | 1st | Y-1,2 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1258 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1259 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1260 | Base | IN | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1261 | Base | NY | 1st (CEMA) | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 1st-2nd |
| 1262 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-3rd |
| 1263 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1264 | Base | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1265 | Base | GA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1266 | Base | NY | 2nd (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-3rd |
| 1267 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1268 | Base | OH | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1270 | Base | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1271 | Base | NJ | CO-OP (UCC1/DOT Recorded) | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1272 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1273 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-6th |
| 1274 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-5th |
| 1276 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1278 | Base | TX | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1280 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1281 | Base | NY | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1282 | Base | NY | 2nd (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-3rd |
| 1283 | Base | DE | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1285 | Base | LA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1286 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1289 | Base | OH | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1292 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1293 | Base | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1294 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1295 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1297 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1298 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1299 | Base | FL | 2nd | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1302 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1303 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1304 | Base | AR | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1305 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1306 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1307 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1308 | Base | OH | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1310 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1313 | Base | AZ | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1314 | Base | PA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1315 | Base | FL | 1st | Y-1,2,3,4,5,6,7,8,9,10,11 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1316 | Base | GA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1317 | Base | UT | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1318 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1319 | Base | NY | 2nd (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-3rd |
| 1320 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1322 | Base | LA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1323 | Base | AZ | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1324 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1325 | Base | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1326 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1327 | Base | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1328 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1329 | Base | SC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1330 | Base | TN | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1331 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1333 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1334 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1337 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1338 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1339 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1344 | Base | PA | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | Y-2 | $XXX | Yes | No | n/a |
| 1345 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1346 | Base | OH | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1347 | Base | NY | 4th (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 4th-5th |
| 1348 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1349 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1350 | Base | NY | 2nd (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-3rd |
| 1352 | Base | NV | 1st | No | n/a | Yes | Y-1 | $XXX | Y-1 | $XXX | No | n/a | n/a | n/a | n/a |
| 1354 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1355 | Base | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1358 | Base | IN | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1360 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1361 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1362 | Base | DE | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1364 | Base | MS | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1365 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1366 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1367 | Base | VA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1370 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1371 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1375 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1376 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1377 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1380 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1381 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1382 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1383 | Base | NY | 2nd (CEMA) | Y-1,2,3,4 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-3rd |
| 1385 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1386 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1388 | Base | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1390 | Base | PA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1391 | Base | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1392 | Base | MD | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1393 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1394 | Base | NY | 4th (CEMA) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 4th-5th |
| 1395 | Base | NY | 1st (CEMA) | Y-1,2,3 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 1st-2nd |
| 1399 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1401 | Base | NY | 1st (CEMA) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-4th |
| 1402 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1403 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1404 | Base | IN | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1405 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1408 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1409 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1410 | Base | IN | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1411 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1413 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1415 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1416 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1419 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-5th |
| 1420 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1421 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1424 | Base | MN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1425 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1426 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1427 | Base | CA | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1429 | Base | CT | CO-OP (UCC1/DOT Recorded) | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1431 | Base | OH | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1432 | Base | NY | 2nd (CEMA) | No | n/a | No | n/a | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-4th |
| 1434 | Base | NY | 1st (CEMA) | None Reported | n/a | No | n/a | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-3rd |
| 1435 | Base | NY | 1st (CEMA) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1437 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1438 | Base | MA | 2nd | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1439 | Base | AL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1442 | Base | PA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1443 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1444 | Base | KY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1445 | Base | WI | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1447 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1448 | Base | AZ | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1449 | Base | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1450 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1453 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1454 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1455 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1458 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1460 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1461 | Base | LA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1463 | Base | NY | 1st (CEMA) | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 1st-3rd |
| 1465 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1466 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1467 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1468 | Base | NY | 1st (CEMA) | None Reported | n/a | No | n/a | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1470 | Base | NY | 2nd (CEMA) | None Reported | n/a | No | n/a | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-7th |
| 1471 | Base | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1473 | Base | NY | 1st (CEMA) | Y-1,2,3,4 | $XXX | No | n/a | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 1st-2nd |
| 1474 | Base | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1475 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1476 | Base | SC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1478 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1479 | Base | KS | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1480 | Base | MD | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1482 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1483 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1484 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1486 | Base | NY | 1st (CEMA) | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 1st-2nd |
| 1487 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1489 | Base | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1490 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1491 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1493 | Base | NC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1495 | Base | CA | 1st | Y-1 | UNKNOWN | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1496 | Base | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-5th |
| 1497 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1498 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1499 | Base | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1500 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1502 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1503 | Base | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1506 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1507 | Base | IN | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1509 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1510 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1511 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1513 | Base | NM | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1515 | Base | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1516 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1517 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1518 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1519 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1522 | Base | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1524 | Base | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1527 | Base | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1531 | Base | RI | 1st | Y-1,2 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1532 | Base | RI | 2nd | Y-1,2 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1534 | Base | CT | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1536 | Base | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1537 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1539 | Base | MA | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1540 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1542 | Base | RI | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1543 | Base | RI | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1545 | Base | RI | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1546 | Base | RI | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1547 | Base | RI | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1548 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1549 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1550 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1551 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1552 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1553 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1554 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1555 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1556 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1558 | Base | CT | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1560 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1562 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1563 | Base | MA | 1st | Y-1 | Unknown | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1565 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1568 | Base | CT | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1569 | Base | CT | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1570 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1572 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1574 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1580 | Base | MA | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1582 | Base | CT | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1588 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1589 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1590 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1591 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1592 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1593 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1594 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1596 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1602 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1603 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1607 | Base | MN | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1608 | Base | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1609 | Base | OH | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1610 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1611 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1612 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1616 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1617 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1622 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1623 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1625 | Base | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1626 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1627 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1629 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1633 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1634 | Base | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1637 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1638 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1642 | Base | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1644 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1645 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1648 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1651 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1652 | Base | MO | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1655 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1656 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1657 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1658 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1659 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1661 | Base | MA | 1st | Y-1 | Unknown | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1662 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1663 | Base | MA | 1st | Y-1 | Unknown | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1664 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1666 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1667 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1669 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1670 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1671 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1672 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1673 | Base | CT | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1676 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1677 | Base | MA | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1678 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1680 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1681 | Base | CT | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1682 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1683 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1684 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1689 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1694 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1695 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1696 | Base | MA | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1697 | Base | MN | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1698 | Base | MA | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1706 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1707 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1709 | Base | CT | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1711 | Base | RI | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1713 | Base | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1714 | Base | MN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1718 | Base | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1722 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1723 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1724 | Base | MN | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1725 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1728 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1729 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1730 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1732 | Base | MN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1734 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1736 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1739 | Base | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1740 | Base | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1746 | Base | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1749 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1750 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1753 | Base | MN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1754 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1755 | Base | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1756 | Base | WI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |

---

## Exhibit 99.3

![](logo_westcor.jpg)

To Whom It May Concern:

Westcor Land Title Insurance Company was engaged by FirstKey Mortgage, LLC (the "Client") as diligence agent to review title reports for a population of 1,601 mortgage loans and 32 co-op share loans. With respect to these 1,601 mortgage loans and 32 co-op share loans:

<br> 1. As set forth in the title reports, the subject mortgage is recorded in the appropriate recording jurisdiction, with the exception of:

<br> a. 32 co-op share loans for which, in lieu of a subject mortgage, a UCC1 or Deed of Trust is filed in the appropriate recording jurisdiction.

<br> 2. As set forth in the title report for the 1,633 assets reported by the Client to be in a 1<sup>st</sup> lien position, the subject mortgage is in 1<sup>st</sup> lien position and recorded in the appropriate jurisdiction, with the exception of:

<br> a. 32 co-op share loans for which, in lieu of a subject mortgage, a UCC1 or Deed of Trust is filed in the appropriate recording jurisdiction.

<br> b. 145 first lien mortgage loans for which a clean title policy was issued which did not take exception to the prior liens/judgments.

c. 3 mortgage loans for which a clean title policy was issued which did not take exception to prior liens/judgments, but for which potentially superior post origination liens/judgments were found of record. For those mortgage loans, the total amount of such potentially superior post origination recorded liens/judgments is $1,752.37. For the purposes of identifying potentially superior post-origination HOA liens which may not be enforceable due to statutory limitations, the Client provided a reference citing applicable state statutes. Westcor has confirmed that the state statutes referenced by Client are current statutes. Westcor has applied the effective dates and statutes of limitations referenced by Client without making a legal determination as to the rights or priorities of a potential lender, investor, or purchaser of interests in real estate and the total amount of such potentially superior post origination recorded liens/judgments is $1,752.37.

d. 10 mortgage loans for which potentially superior post origination liens/judgments were found of record. For those mortgage loans, the total amount of such potentially superior post origination recorded liens/judgments is $22,612.45. For the purposes of identifying those potentially superior post-origination HOA liens which may not be enforceable due to statutory limitations, the Client provided a reference citing applicable state statutes. Westcor has confirmed that the state statutes referenced by Client are current statutes. Westcor has applied the effective dates and statutes of limitations referenced by Client without making a legal determination as to the rights or priorities of a potential lender, investor, or purchaser of interests in real estate and the total amount of such potentially superior post origination recorded liens/judgments is $22,612.45.

e. 2 mortgage loans for which prior liens/judgments were found of record. The total amount of such prior liens/judgments of record is $191,000.00.

Thank You,

Westcor Land Title Insurance Company <br>

401 Plymouth Road, Suite 500, Plymouth Meeting, PA 19462

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Redacted ID** | **Base/Upsize** | **State** | **Lien Position** | **Judgments Before Target** | **Total Judgments Before Lien** | **Superlien State** | **HOA Superlien** | **HOA Amount** | **HOA Superliens with Consideration for Effective Dates and SOL** | **HOA Superlien Amount** | **Muni Lien** | **Muni Amount** | **TPOL Reviewed** | **Exception to Judgment Ahead of Lien or Prior Mtg** | **Notes** |
| 1 | Upsize | AL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 2 | Upsize | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 3 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 5 | Upsize | IL | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 7 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 16 | Upsize | VA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 21 | Upsize | VA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 34 | Upsize | FL | 2nd | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 35 | Upsize | MD | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 36 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 37 | Upsize | FL | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 38 | Upsize | GA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 41 | Upsize | RI | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 45 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 69 | Upsize | MI | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 74 | Upsize | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 75 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 77 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 85 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 88 | Upsize | MD | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 91 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 95 | Upsize | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 97 | Upsize | MN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 98 | Upsize | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 101 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 102 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 105 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 113 | Upsize | NY | 2nd (CEMA) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-3rd |
| 115 | Upsize | NY | 1st | No | n/a | No | n/a | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 127 | Upsize | NY | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 128 | Upsize | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 131 | Upsize | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 138 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 140 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 142 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 144 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 145 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 154 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 156 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 158 | Upsize | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 159 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 161 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 164 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 170 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 174 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 175 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 178 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 180 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 182 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 183 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 185 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 186 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 189 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 193 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 198 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 200 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 201 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 203 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 204 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 208 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 209 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 210 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 212 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | Y-1 | $XXX | n/a | n/a | Muni 1 CA Facilities lien paid thru taxes |
| 217 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 218 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 220 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 222 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 228 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 229 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 230 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 231 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 235 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 238 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 240 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 246 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 249 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 253 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 256 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 259 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 261 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 263 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 265 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 269 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 270 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 273 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 276 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 277 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 280 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 282 | Upsize | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 283 | Upsize | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 284 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 285 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 286 | Upsize | CA | 1st | Y-1,2 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 287 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 291 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 292 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 299 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 300 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 302 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 309 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 310 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 314 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 316 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 318 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 319 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 320 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 321 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 322 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 324 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 325 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 327 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 335 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 336 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 337 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 338 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 339 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 341 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 345 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 349 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 350 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 353 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 359 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 362 | Upsize | NV | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 364 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 368 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | Yes | n/a |
| 369 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 370 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 372 | Upsize | CA | 1st | Y-1 | UNKNOWN | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 373 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 374 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 375 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 377 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 378 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 380 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 381 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 383 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 385 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 388 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 391 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 392 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 393 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 395 | Upsize | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 397 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 398 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 401 | Upsize | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 403 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 404 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 406 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 413 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 415 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 420 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 422 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 424 | Upsize | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 425 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 429 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 432 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 433 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 434 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 436 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 437 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 439 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 442 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 443 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 448 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 449 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 450 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 456 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 460 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 462 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 463 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 465 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 467 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 468 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 469 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 471 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 474 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 477 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 479 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 481 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 482 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 485 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 489 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 494 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 495 | Upsize | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 496 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 500 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 501 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 504 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 508 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 510 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 515 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 516 | Upsize | CA | 3rd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 528 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 530 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 536 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 537 | Upsize | CA | 1st | Y-1 | Unknown | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 538 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 539 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 540 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 546 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 547 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 551 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 552 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 554 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 559 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 562 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 565 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 573 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 581 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 583 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 586 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 588 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 589 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 593 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 595 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 597 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 600 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 601 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 602 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 606 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 607 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 608 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 612 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 616 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 620 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 622 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 633 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 635 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 638 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 641 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 646 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 647 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 648 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 651 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 656 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 658 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 661 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 665 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 668 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 672 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 674 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 675 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | Y-1 | $XXX | n/a | n/a | n/a |
| 678 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 680 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 681 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 683 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 684 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 685 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 686 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 688 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 690 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 691 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 693 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 694 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 696 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 703 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 707 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 710 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 715 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 717 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 720 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 723 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 724 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 726 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 727 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 728 | Upsize | CA | 1st | Y-1,2 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 730 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 731 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 732 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 733 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 735 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 736 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 738 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 739 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 740 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 742 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 745 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 746 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 750 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 751 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 752 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 753 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 754 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 756 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 757 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 763 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 767 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 770 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 773 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 775 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 776 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 777 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 778 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 779 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 780 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 781 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 784 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 788 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 789 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 790 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 791 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 793 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 794 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 796 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 800 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 801 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 802 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 805 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 807 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 808 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 809 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 810 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 812 | Upsize | CA | 1st | Y-1,2,3,4,5,6 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 815 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 816 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 817 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 819 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 825 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 828 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 829 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 832 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 833 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 835 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 837 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 838 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 839 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 842 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 843 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 846 | Upsize | CA | 1st | Y-1 | Unknown | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 847 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 849 | Upsize | CA | 1st | Y-1 | Unknown | No | No | n/a | n/a | n/a | No | n/a | Yes | Yes | n/a |
| 850 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 856 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 859 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 860 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 861 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 871 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 872 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 873 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 874 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 875 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 882 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 884 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 885 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 889 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 891 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 892 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 893 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 895 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 896 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 899 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 904 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 909 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 911 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 913 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 917 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 923 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 926 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 927 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 930 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 932 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 952 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 955 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 956 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 960 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 961 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 968 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 969 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 971 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 973 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 975 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 981 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 982 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 984 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 987 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 994 | Upsize | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 996 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 999 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1002 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1005 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1006 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1009 | Upsize | CA | 1st | Y-1 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1010 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1012 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1013 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1015 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1018 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1019 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1026 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1033 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1039 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1040 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1041 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1047 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1048 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1049 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1050 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1052 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1054 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1056 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1061 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1063 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1065 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1068 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1072 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1074 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1075 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1078 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1080 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1085 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1087 | Upsize | CA | 1st | Y-1 | NOT STATED | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1089 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1091 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1092 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1094 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1095 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1097 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1101 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1103 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1107 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1108 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1110 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1112 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1113 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1115 | Upsize | CA | 1st | No | n/a | No | No | n/a | n/a | n/a | Y-1 | $XXX | n/a | n/a | Muni 1 CA Facilities lien paid thru taxes |
| 1117 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1121 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1124 | Upsize | CA | 3rd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1125 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1126 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1127 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1130 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1134 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1141 | Upsize | CO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1150 | Upsize | CT | CO-OP (UCC1/DOT Recorded) | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1152 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1154 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1155 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1158 | Upsize | VA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1160 | Upsize | CO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1163 | Upsize | CT | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1165 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1169 | Upsize | NY | 4th (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 4th-5th |
| 1170 | Upsize | VA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1173 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1175 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1177 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1182 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1183 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1184 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1186 | Upsize | IN | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1187 | Upsize | NC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1189 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1195 | Upsize | NC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1199 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1200 | Upsize | VA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1203 | Upsize | NY | 1st (CEMA) | Y-1,2,3,4 | $XXX | No | n/a | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 1st-2nd |
| 1204 | Upsize | NY | 2nd (CEMA) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-3rd |
| 1207 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1208 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1209 | Upsize | NY | 1st (CEMA) | Y-1,2,3 | $XXX | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 1st-2nd |
| 1210 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1211 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1213 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1214 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1215 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1221 | Upsize | WA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1224 | Upsize | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1225 | Upsize | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1226 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1237 | Upsize | TX | 1st | Y-1 | Unknown | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1246 | Upsize | OK | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1247 | Upsize | NY | 1st (CEMA) | Y-1,2,3 | $XXX | No | n/a | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 1st-3rd |
| 1250 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1251 | Upsize | OH | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1252 | Upsize | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1257 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1269 | Upsize | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1275 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1277 | Upsize | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1279 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1284 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1287 | Upsize | CA | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1288 | Upsize | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1290 | Upsize | LA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1291 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1296 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1300 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1301 | Upsize | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1309 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1311 | Upsize | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1312 | Upsize | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1321 | Upsize | TN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1332 | Upsize | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1335 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1336 | Upsize | VA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1340 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1341 | Upsize | AZ | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1342 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1343 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1351 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1353 | Upsize | PA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1356 | Upsize | GA | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1357 | Upsize | NJ | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1363 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1368 | Upsize | TX | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1369 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1372 | Upsize | NY | 2nd (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-3rd |
| 1373 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1374 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1378 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1379 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | n/a | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1384 | Upsize | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1387 | Upsize | NV | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1389 | Upsize | NY | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1396 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1397 | Upsize | CO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1398 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1400 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1407 | Upsize | CT | CO-OP (UCC1/DOT Recorded) | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1412 | Upsize | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1414 | Upsize | CO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1417 | Upsize | ID | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1418 | Upsize | NY | 1st (CEMA) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1422 | Upsize | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1423 | Upsize | NJ | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1428 | Upsize | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1430 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | n/a | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1433 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-3rd |
| 1436 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1440 | Upsize | VA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1441 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1446 | Upsize | NY | 1st | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1451 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-3rd |
| 1452 | Upsize | WI | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1456 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1457 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1459 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-2nd |
| 1462 | Upsize | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1464 | Upsize | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1469 | Upsize | WI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1472 | Upsize | NY | 2nd (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | CEMA: 2nd-3rd |
| 1477 | Upsize | NY | 1st (CEMA) | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | CEMA: 1st-3rd |
| 1481 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1485 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1488 | Upsize | VA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1492 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1494 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1501 | Upsize | NY | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1504 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1505 | Upsize | WI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1508 | Upsize | TX | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1514 | Upsize | TX | 2nd | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1520 | Upsize | NY | CO-OP (UCC1/DOT Recorded) | No | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1521 | Upsize | NV | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1523 | Upsize | SC | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1525 | Upsize | CA | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1526 | Upsize | OR | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1528 | Upsize | OH | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1529 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1530 | Upsize | OH | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1533 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1535 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1538 | Upsize | RI | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1541 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1544 | Upsize | RI | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1557 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1559 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1561 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1564 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1567 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1571 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1573 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1575 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1576 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1577 | Upsize | MA | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1578 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1579 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1581 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1583 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1584 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1585 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1586 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1587 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1595 | Upsize | RI | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1597 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1598 | Upsize | FL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1599 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1601 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1605 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1606 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1613 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1614 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1615 | Upsize | MO | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1618 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1619 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1620 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1621 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1624 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1628 | Upsize | IN | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1630 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1631 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1632 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1635 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1636 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1639 | Upsize | MN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1640 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1641 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1643 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1646 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1647 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1649 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1650 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1654 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1665 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1668 | Upsize | CT | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1674 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1675 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1679 | Upsize | MA | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1685 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1686 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1687 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1688 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1690 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1691 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1692 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1693 | Upsize | MA | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1699 | Upsize | MA | 1st | Y-1 | $XXX | Yes | No | n/a | n/a | n/a | No | n/a | Yes | No | n/a |
| 1700 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1701 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1702 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1703 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1704 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1705 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1708 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1710 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1712 | Upsize | MA | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1715 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1716 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1717 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1720 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1721 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1726 | Upsize | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1727 | Upsize | MN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1733 | Upsize | IL | 1st | No | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1735 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1737 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1738 | Upsize | MI | 1st | None Reported | n/a | No | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1741 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1742 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1743 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1744 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1745 | Upsize | MN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1747 | Upsize | IL | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1748 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1751 | Upsize | MO | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |
| 1752 | Upsize | MN | 1st | None Reported | n/a | Yes | No | n/a | n/a | n/a | No | n/a | n/a | n/a | n/a |

---

## Exhibit 99.4

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Unique ID | Loan Id | Base/Upsize | Compliance Event | Compliance Exceptions | Compliance Comments | Eligible For Predatory Testing - Unable to Test | Compliance Comp Factors | Category | S&P Compliance Grade |
| 6452450033 | XXX | Upsize | 3 | [3] Finance Charge underdisclosed >$XXX for Refinance<br> [2] Affiliated Business Doc Missing<br> [2] Initial GFE Missing<br> [2] Initial TIL Missing<br>| Finance charges under disclosed by $XXX which exceeds the $XXX tolerance for refinance transactions. Unable to determine the reason for under disclosure due to missing itemization of amount financed.<br>|  | Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.<br>| TILA SOL Expired | RB |

---

## Exhibit 99.4

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 |
| Unique ID | loanid | Loan Id | city | state | zip | proptype | units | ownocc | appval | lien | origdate | fpdate | origbal | origrate | origpandi | inttype | loanpurp | salesprice | dti | oltv | ocltv | LeaseHold | Secmtgcd | secmtgbal | Originator | appdate | DueOnSale | Income | IncomeType | Asset | Base/Upsize | AssetType | Employment | loantype | schedrterm | ramortterm | armorfix | mtdate | origterm | amortterm | teaser | indexcd | margin | pfreq | rfreq | fpadate | fradate | npadate | nradate | initcap | initmaxrt | initfloor | initminrt | percap | perfloor | lifecap | lifemaxrt | lifefloor | lifeminrt | balloon | ioflag | ioterm | negamflag | negampct | minpaycalc | pmtrecast | recastdt | pmtadjcap | pmtoptions | iotorecast | pppflag | pppterm | pppdesc | step1date | step1rate | step2date | step2rate | step3date | step3rate | step4date | step4rate | step5date | step5rate | step6date | step6rate | step7date | step7rate | step8date | step8rate | pmipct | pmico | pmicertno | mitype | lpmifee | mistatus | frstmtgbal | servicernm | datadate | curbal | rate | pandi | bkflag | bkfiledate | bkchapter | dpbal | nxtduedate | paid2date | escadvbal | corpadvbal | delqstring | paystatmba | modified | # of Mods | status mod1 | mod1 executed | Type of Change Document Mod1 | Reason for Modification 1 | Other Reason 1 | Evidence of PRA? | PRA1 Forgiveness Date Mod1 | PRA Forgiveness Amount Mod1 | PRA2 Forgiveness Date Mod1 | PRA2 Forgiveness Amount Mod1 | PRA3 Forgiveness Date Mod1 | PRA3 Forgiveness Amount Mod1 | One Time Debt Forgiven at Time of Mod1? | Amount Forgiven at Time of Mod1 | HAMP PRA Forgiveness Amount Mod1 (old) | upb prior to mod1 | Interest arrearage capitalized amount mod1 | Escrow advances capitalized amount mod1 | Corp advances capitalized amount mod1 | benefitborrowermod1 | type mod1 | loantype mod1 | schedrterm mod1 | ramortterm mod1 | armorfix mod1 | origdate mod1 | origbal mod1 | defprinbal mod1 | defintbal mod1 | defotherbal mod1 | accruingbal mod1 | deferred Balance Due at Maturity mod1 | paymentfreq mod 1 | origrate mod1 | origpi mod1 | origpitia mod1 | fpdate mod1 | mtdate mod1 | origterm mod1 | amortterm mod1 | teaser mod1 | indexcd mod1 | margin mod1 | pfreq mod1 | rfreq mod1 | fpadate mod1 | fradate mod1 | npadate mod1 | nradate mod1 | initcap mod1 | initmaxrt mod1 | initfloor mod1 | initminrt mod1 | percap mod1 | perfloor mod1 | lifecap mod1 | lifemaxrt mod1 | lifefloor mod1 | lifeminrt mod1 | balloon mod1 | ioflag mod1 | ioterm mod1 | ioexpiration mod1 | negamflag mod1 | negampct mod1 | minpaycalc mod1 | pmtrecast mod1 | recastdt mod1 | pmtadjcap mod1 | pmtoptions mod1 | iotorecast mod1 | pppflag mod1 | pppterm mod1 | pppdesc mod1 | step1date mod1 | step1rate mod1 | step1paydate mod1 | step1pi mod1 | step2date mod1 | step2rate mod1 | step2paydate mod1 | step2pi mod1 | step3date mod1 | step3rate mod1 | step3paydate mod1 | step3pi mod1 | step4date mod1 | step4rate mod1 | step4paydate mod1 | step4pi mod1 | step5date mod1 | step5rate mod1 | step5paydate mod1 | step5pi mod1 | step6date mod1 | step6rate mod1 | step6paydate mod1 | step6pi mod1 | step7date mod1 | step7rate mod1 | step7paydate mod1 | step7pi mod1 | step8date mod1 | step8rate mod1 | step8paydate mod1 | step8pi mod1 | comments mod1 | Active Temp Mod? | status tempmod1 | Temp to Perm Option tempmod1 | origdate tempmod1 | fpdate tempmod1 | end date tempmod1 | tempmod1 reverts to | mtdate tempmod1 | trialpay1 tempmod1 | trialpay2 tempmod1 | trialpay3 tempmod1 | Amount Forgiven At End Of Trial tempmod1 | armorfix tempmod1 | origbal tempmod1 | defprinbal tempmod1 | defintbal tempmod1 | defotherbal tempmod1 | accruingbal tempmod1 | origrate tempmod1 | origpi tempmod1 | ioflag tempmod1 | ioterm tempmod1 | activeextension | extensionorigdate | extensionmatdate | extensioncomments | extension payment/interest deferral? | other mod/change | date of other mod/chage | other mod/change description |
| 6452450033 | XXX | XXX | XXX | VA | XXX | Manufactured (Double-Wide) | 1 | Owner Occ | XXX | First | 6/XX/2007 | XX/XX/XXXX | XXX | 6.5 | 986.03 | Arrears | Cashout Refi | 0 | 55.313 | 72.56 | 72.56 | NO | NO |  | XXX | 4/XX/2007 | YES | Verified | Pay Stubs/W2 | Verified | Upsize | Bank Statements | NO | FIXED | 263 | 263 | FIXED | XX/XX/XXXX | 360 | 360 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NO | NO |  | NO |  |  |  |  |  |  |  | NO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2/XX/2015 | 107482 | 4.625 | 504.25 |  |  |  | 47222.78 | 3/XX/2015 | 2/XX/2015 | 797.63 |  | 000000000000000010000000 | Current | YES | 1 | Complete | YES | Modification Agreement | Default |  |  |  |  |  |  |  |  |  |  |  | 110186.48 | 47222.78 |  |  | YES | Standard | FIXED | 443 | 443 | FIXED | 6/XX/2012 | 157409.26 |  |  |  | 110186.48 |  |  | 4.625 | 504.25 | 664.8 | 7/XX/2012 | 6/XX/2052 | 480 | 480 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NO | NO |  |  | NO |  |  |  |  |  |  |  | NO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Unique ID | Loan Id | Base/Upsize | Overall Event | Final Credit Event | Credit Exceptions | Credit Comments | Final Compliance Event | Compliance Exceptions | Compliance Comments | Eligible For Predatory Testing - Unable to Test | Compliance Comp Factors | Purpose at origination | Occupancy at origination | LTV Original (Calculated) | LTV Combined Orig (Calculated) | Debt (Back) Ratio From 1008 |
| 6452450033 | XXX | Upsize | 3 | 2 | [2] Manufactured (Double-Wide)<br>|  | 3 | [3] Finance Charge underdisclosed >$XXX for Refinance<br> [2] Affiliated Business Doc Missing<br> [2] Initial GFE Missing<br> [2] Initial TIL Missing | Finance charges under disclosed by $XXX which exceeds the $XXX tolerance for refinance transactions. Unable to determine the reason for under disclosure due to missing itemization of amount financed. |  | Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. | Cashout Refi | Owner Occ | 72.56 | 72.56 | 55.313 |

---

## Exhibit 99.4

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Unique ID | Loan Id | Base/Upsize | Rating | Type | Exception | Credit Comments | Compliance Comments | Eligible For Predatory Testing - Unable to Test | Compliance Comp Factors |
| 6452450033 | XXX | Upsize | Critical | Compliance | [3] Finance Charge underdisclosed >$XXX for Refinance |  | Finance charges under disclosed by $XXX which exceeds the $XXX tolerance for refinance transactions. Unable to determine the reason for under disclosure due to missing itemization of amount financed. |  | Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. |
| 6452450033 | XXX | Upsize | Non Critical | Compliance | [2] Affiliated Business Doc Missing |  |  |  |  |
| 6452450033 | XXX | Upsize | Non Critical | Compliance | [2] Initial GFE Missing |  |  |  |  |
| 6452450033 | XXX | Upsize | Non Critical | Compliance | [2] Initial TIL Missing |  |  |  |  |
| 6452450033 | XXX | Upsize | Non Critical | Credit | [2] Manufactured (Double-Wide) |  |  |  |  |

---

<br>